From b21bfb2f1db8fbef10ef097bd0f152bb41c5b214 Mon Sep 17 00:00:00 2001
From: davegilligan <davegilligan73@gmail.com>
Date: Sun, 24 May 2026 13:42:27 +0200
Subject: [PATCH] Add NOK pricing catalog, credit ledger, success-based
 charging, and tier-gated model routing
MIME-Version: 1.0
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit

- PricingCatalog.php: single source of truth for plans (free/plus/pro), top-ups,
  Stripe price env keys, tool costs (0–6 credits), STT variable billing, feature limits
- FreeTier.php: monthly-first credit deduction, ledger (user_tool_credit_ledger),
  STT reservation/settle/release, monthly reset, trial logic
- StripeClient.php: canonical SKUs (plus/pro/topup_100/300/1000), legacy aliases kept
- stripe-checkout.php: subscription vs payment mode, trial gating, catalog metadata
- stripe-webhook.php: idempotent via stripe_events, handles subscription lifecycle +
  invoice.paid renewal + one-time topup credit grants
- All API tools: success-based credit deduction (check before, charge after)
- transcribe.php: file-size heuristic reservation, settle from actual provider duration
- ask.php + LegalTools.php: ToolModels engine resolution — Pro gets gpt-4o
- KorrespondAgent.php + korrespond.php: tier-gated draft deployment —
  Free/Plus gets gpt-4o-mini, Pro gets gpt-4o
- pricing.php: NOK-only, plan cards, top-up packs, Organisation contact card,
  tool cost table, separate monthly/prepaid balance display
- 003_pricing_credit_catalog.sql: ledger and STT reservation tables

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
---
 account.php                                |  12 +-
 api/ask.php                                |  12 +-
 api/discrepancy.php                        |   6 +-
 api/extract.php                            |   7 +-
 api/korrespond-refine.php                  |   8 +-
 api/korrespond.php                         |   6 +-
 api/legal-analysis.php                     |  10 +-
 api/redact.php                             |   4 +-
 api/stripe-checkout.php                    |  34 +-
 api/stripe-webhook.php                     |   2 +-
 api/timeline.php                           |   4 +-
 api/transcribe.php                         |  48 +-
 api/translate.php                          |   9 +-
 assets/js/barnevernet.js                   |   3 +
 assets/js/deep-research.js                 |   3 +
 assets/js/discrepancy.js                   |   3 +
 assets/js/korrespond.js                    |   6 +
 assets/js/tools.js                         |  16 +
 billing.php                                |  11 +-
 dashboard.php                              |   2 +-
 includes/FreeTier.php                      | 363 ++++++++-----
 includes/KorrespondAgent.php               |   9 +-
 includes/LegalTools.php                    |   8 +-
 includes/PricingCatalog.php                | 297 ++++++++++
 includes/StripeClient.php                  | 114 ++--
 includes/bootstrap.php                     |  98 ++++
 includes/i18n.php                          |   4 +-
 index.php                                  |   9 +-
 pricing.php                                | 605 ++++++++++-----------
 scripts/sql/003_pricing_credit_catalog.sql |  44 ++
 30 files changed, 1171 insertions(+), 586 deletions(-)
 create mode 100644 includes/PricingCatalog.php
 create mode 100644 scripts/sql/003_pricing_credit_catalog.sql

diff --git a/account.php b/account.php
index 6f4da68..5e775b8 100644
--- a/account.php
+++ b/account.php
@@ -3,6 +3,7 @@ declare(strict_types=1);
 
 require_once __DIR__ . '/includes/bootstrap.php';
 require_once __DIR__ . '/includes/FreeTier.php';
+require_once __DIR__ . '/includes/PricingCatalog.php';
 
 if (!dbnToolsIsAuthenticated()) {
     header('Location: /?return=' . urlencode($_SERVER['REQUEST_URI'] ?? '/account.php'));
@@ -20,11 +21,12 @@ $role  = (string)($authUser['role']  ?? '');
 $detail  = $isSso ? FreeTier::balanceDetail((int)$_SESSION['dbn_tools_sso_uid']) : null;
 $tier    = $detail ? (string)$detail['tier'] : ($isSso ? 'free' : 'caveau');
 
+$catalogPlans = PricingCatalog::plans();
 $tierLabels = [
-    'free'   => ['Free',       '#f3f4f6', '#374151'],
-    'plus'   => ['Plus',       '#ddd6fe', '#5b21b6'],
-    'pro'    => ['Pro',        '#bfdbfe', '#1e40af'],
-    'caveau' => ['CaveauAI',   '#d1fae5', '#065f46'],
+    'free'   => [$catalogPlans['free']['name'], '#f3f4f6', '#374151'],
+    'plus'   => [$catalogPlans['plus']['name'], '#ddd6fe', '#5b21b6'],
+    'pro'    => [$catalogPlans['pro']['name'], '#bfdbfe', '#1e40af'],
+    'caveau' => ['CaveauAI', '#d1fae5', '#065f46'],
 ];
 $tierLabel = $tierLabels[$tier] ?? $tierLabels['free'];
 
@@ -106,7 +108,7 @@ window.DBN_TOOLS_LANG = <?= json_encode($uiLang, JSON_UNESCAPED_UNICODE) ?>;
         </p>
         <p class="account-credits-sub">
             <?= (int)$detail['balance'] ?> <?= htmlspecialchars(dbnToolsT('credits_monthly', $uiLang)) ?>
-            · <?= (int)$detail['bonus_balance'] ?> <?= htmlspecialchars(dbnToolsT('credits_bonus', $uiLang)) ?>
+            · <?= (int)$detail['bonus_balance'] ?> <?= $uiLang === 'no' ? 'forhåndsbetalte' : 'prepaid' ?>
         </p>
 
         <?php if ($renewalLabel): ?>
diff --git a/api/ask.php b/api/ask.php
index f1207ae..31f3d0f 100644
--- a/api/ask.php
+++ b/api/ask.php
@@ -2,19 +2,19 @@
 declare(strict_types=1);
 
 require_once __DIR__ . '/../includes/LegalTools.php';
+require_once __DIR__ . '/../includes/ToolModels.php';
 
 dbnToolsRequireMethod('POST');
 dbnToolsRequireAuth();
-$ftUid = dbnToolsFreeTierCheck('ask');
-$ftRemaining = dbnToolsFreeTierDeduct($ftUid, 'ask');
-if ($ftRemaining >= 0) { header('X-Credits-Remaining: ' . $ftRemaining); }
-$input = dbnToolsJsonInput(25000);
+$ftUid    = dbnToolsFreeTierCheck('ask');
+$engine   = ToolModels::engineForUser($ftUid, 'azure_mini');
+$input    = dbnToolsJsonInput(25000);
 $language = dbnToolsNormalizeLanguage($input['language'] ?? 'en');
 
-dbnToolsWithTelemetry('ask', $language, function () use ($input, $language): array {
+dbnToolsWithChargedTelemetry('ask', $language, $ftUid, function () use ($input, $language, $engine): array {
     $question = dbnToolsInjectDocContent($input, dbnToolsString($input, 'question', 4000, false));
     if (mb_strlen(trim($question), 'UTF-8') < 5) {
         dbnToolsAbort('Enter a question or select a document before running.', 422, 'empty_text');
     }
-    return (new DbnLegalToolsService())->ask($question, $language);
+    return (new DbnLegalToolsService())->ask($question, $language, $engine);
 });
diff --git a/api/discrepancy.php b/api/discrepancy.php
index 135e517..3e182fb 100644
--- a/api/discrepancy.php
+++ b/api/discrepancy.php
@@ -8,7 +8,6 @@ require_once __DIR__ . '/../includes/ToolModels.php';
 dbnToolsRequireMethod('POST');
 dbnToolsRequireAuth();
 $ftUid       = dbnToolsFreeTierCheck('discrepancy');
-$ftRemaining = dbnToolsFreeTierDeduct($ftUid, 'discrepancy');
 
 @ini_set('output_buffering', '0');
 @ini_set('zlib.output_compression', '0');
@@ -19,7 +18,6 @@ ob_implicit_flush(true);
 header('Content-Type: application/x-ndjson; charset=utf-8');
 header('Cache-Control: no-store');
 header('X-Accel-Buffering: no');
-if ($ftRemaining >= 0) { header('X-Credits-Remaining: ' . $ftRemaining); }
 
 $language  = 'en';
 $startTime = microtime(true);
@@ -146,6 +144,10 @@ try {
         'deployment'     => $result['trace_metadata']['deployment'] ?? null,
     ]);
 
+    $ftRemaining = dbnToolsFreeTierDeduct($ftUid, 'discrepancy');
+    if ($ftRemaining >= 0) {
+        $result['balance'] = $ftRemaining;
+    }
 
     $emit('final', ['result' => $result]);
 
diff --git a/api/extract.php b/api/extract.php
index 5ba70d7..598751c 100644
--- a/api/extract.php
+++ b/api/extract.php
@@ -6,8 +6,6 @@ require_once __DIR__ . '/../includes/bootstrap.php';
 dbnToolsRequireMethod('POST');
 dbnToolsRequireAuth();
 $ftUid = dbnToolsFreeTierCheck('extract');
-$ftRemaining = dbnToolsFreeTierDeduct($ftUid, 'extract');
-if ($ftRemaining >= 0) { header('X-Credits-Remaining: ' . $ftRemaining); }
 
 try {
     if (empty($_FILES['file']) || !is_array($_FILES['file'])) {
@@ -15,6 +13,11 @@ try {
     }
 
     $result = dbnToolsExtractUploadedFile($_FILES['file']);
+    $ftRemaining = dbnToolsFreeTierDeduct($ftUid, 'extract');
+    if ($ftRemaining >= 0) {
+        header('X-Credits-Remaining: ' . $ftRemaining);
+        $result['balance'] = $ftRemaining;
+    }
     dbnToolsRespond($result);
 } catch (DbnToolsHttpException $e) {
     dbnToolsError($e->getMessage(), $e->status, $e->errorCode, $e->extra);
diff --git a/api/korrespond-refine.php b/api/korrespond-refine.php
index 4a3cdc1..80c5946 100644
--- a/api/korrespond-refine.php
+++ b/api/korrespond-refine.php
@@ -68,10 +68,6 @@ try {
 
     // Credit gate (refine is a paid pass)
     $ftUid = dbnToolsFreeTierCheck('korrespond_refine');
-    $ftRemaining = dbnToolsFreeTierDeduct($ftUid, 'korrespond_refine');
-    if ($ftRemaining >= 0) {
-        header('X-Credits-Remaining: ' . $ftRemaining);
-    }
 
     $emit('start', [
         'jurisdiction' => $jurisdiction,
@@ -81,8 +77,12 @@ try {
 
     $agent  = new DbnKorrespondAgent();
     $result = $agent->refine($intake, $classify, $originalDraftNo, $jurisdiction, $emit);
+    $ftRemaining = dbnToolsFreeTierDeduct($ftUid, 'korrespond_refine');
     $result['ok']         = true;
     $result['latency_ms'] = (int)round((microtime(true) - $startTime) * 1000);
+    if ($ftRemaining >= 0) {
+        $result['balance'] = $ftRemaining;
+    }
 
     dbnToolsLogMetadata([
         'tool'         => 'korrespond_refine',
diff --git a/api/korrespond.php b/api/korrespond.php
index 1b91d6c..e3ff488 100644
--- a/api/korrespond.php
+++ b/api/korrespond.php
@@ -3,6 +3,7 @@ declare(strict_types=1);
 
 require_once __DIR__ . '/../includes/bootstrap.php';
 require_once __DIR__ . '/../includes/KorrespondAgent.php';
+require_once __DIR__ . '/../includes/ToolModels.php';
 
 dbnToolsRequireMethod('POST');
 dbnToolsRequireAuth();
@@ -165,11 +166,12 @@ try {
 
     // ── Deduct credit now (Pass 2 starts) ───────────────────────────────────────
     $ftUid = dbnToolsFreeTierCheck('korrespond');
+    $engine = ToolModels::engineForUser($ftUid, 'azure_mini');
     $ftRemaining = dbnToolsFreeTierDeduct($ftUid, 'korrespond');
     $creditDeducted = true;
 
     // ── Pass 2: retrieve law → draft → self-check → translate ──────────────────
-    $result = $agent->generate($intake, $classify, $emit);
+    $result = $agent->generate($intake, $classify, $emit, $engine);
     $result['ok']         = true;
     $result['latency_ms'] = (int)round((microtime(true) - $startTime) * 1000);
     if ($ftRemaining >= 0) {
@@ -182,7 +184,7 @@ try {
         'ok'           => true,
         'latency_ms'   => $result['latency_ms'],
         'source_count' => is_array($result['cited_law'] ?? null) ? count($result['cited_law']) : 0,
-        'deployment'   => 'gpt-4o',
+        'deployment'   => ($engine === 'azure_full') ? 'gpt-4o' : 'gpt-4o-mini',
     ]);
 
 
diff --git a/api/legal-analysis.php b/api/legal-analysis.php
index 5e21df7..c8f00ff 100644
--- a/api/legal-analysis.php
+++ b/api/legal-analysis.php
@@ -20,6 +20,8 @@ header('X-Accel-Buffering: no');
 $startTime = microtime(true);
 $language  = 'en';
 $creditDeducted = false;
+$ftUid = 0;
+$ftRemaining = -1;
 
 $emit = function (string $event, array $payload = []) use ($startTime): void {
     $payload['event'] = $event;
@@ -44,6 +46,7 @@ try {
             422, 'empty_text'
         );
     }
+    $ftUid = dbnToolsFreeTierCheck('legal-analysis');
 
     $emit('start', [
         'mode'     => 'legal-analysis',
@@ -75,12 +78,8 @@ try {
     }
 
     // Deduct credit (gated until extract succeeds and at least one issue exists)
-    $ftUid = dbnToolsFreeTierCheck('legal-analysis');
     $ftRemaining = dbnToolsFreeTierDeduct($ftUid, 'legal-analysis');
     $creditDeducted = true;
-    if ($ftRemaining >= 0) {
-        header('X-Credits-Remaining: ' . $ftRemaining);
-    }
 
     $emit('issues_extracted', [
         'count'  => count($issues),
@@ -129,6 +128,9 @@ try {
         'model'              => 'dbn-legal-agent-v3',
         'latency_ms'         => (int)round((microtime(true) - $startTime) * 1000),
     ];
+    if ($ftRemaining >= 0) {
+        $result['balance'] = $ftRemaining;
+    }
 
     dbnToolsLogMetadata([
         'tool'         => 'legal-analysis',
diff --git a/api/redact.php b/api/redact.php
index e9efa22..ae6acd5 100644
--- a/api/redact.php
+++ b/api/redact.php
@@ -6,11 +6,9 @@ require_once __DIR__ . '/../includes/LegalTools.php';
 dbnToolsRequireMethod('POST');
 dbnToolsRequireAuth();
 $ftUid = dbnToolsFreeTierCheck('redact');
-$ftRemaining = dbnToolsFreeTierDeduct($ftUid, 'redact');
-if ($ftRemaining >= 0) { header('X-Credits-Remaining: ' . $ftRemaining); }
 $input = dbnToolsJsonInput(400000);
 
-dbnToolsWithTelemetry('redact', '', function () use ($input): array {
+dbnToolsWithChargedTelemetry('redact', '', $ftUid, function () use ($input): array {
     $text     = dbnToolsInjectDocContent($input, dbnToolsString($input, 'text', 128000, false));
     if (mb_strlen(trim($text), 'UTF-8') < 10) {
         dbnToolsAbort('Paste text, upload a file, or select a document before running.', 422, 'empty_text');
diff --git a/api/stripe-checkout.php b/api/stripe-checkout.php
index 4f02329..ab55c4c 100644
--- a/api/stripe-checkout.php
+++ b/api/stripe-checkout.php
@@ -16,12 +16,9 @@ if ($userId <= 0 || $email === '') {
 }
 
 $input = dbnToolsJsonInput(2000);
-$sku = (string)($input['sku'] ?? '');
+$sku = StripeClient::canonicalSku((string)($input['sku'] ?? ''));
 
-$validSubscriptions = ['plus', 'pro'];
-$validTopups = ['topup_s', 'topup_m', 'topup_l'];
-
-if (!in_array($sku, array_merge($validSubscriptions, $validTopups), true)) {
+if (!StripeClient::isSubscriptionSku($sku) && !StripeClient::isTopupSku($sku)) {
     dbnToolsError('Unknown SKU.', 400, 'unknown_sku');
 }
 
@@ -33,7 +30,18 @@ try {
     $successUrl = $baseUrl . '/billing.php?status=success&session_id={CHECKOUT_SESSION_ID}';
     $cancelUrl  = $baseUrl . '/pricing.php?status=canceled';
 
-    $isSub = in_array($sku, $validSubscriptions, true);
+    $isSub = StripeClient::isSubscriptionSku($sku);
+    $credits = $isSub ? 0 : StripeClient::topupCredits($sku);
+    $metadata = [
+        'user_id' => (string)$userId,
+        'sku' => $sku,
+        'catalog_version' => PricingCatalog::VERSION,
+    ];
+    if ($isSub) {
+        $metadata['tier'] = $sku;
+    } else {
+        $metadata['credits'] = (string)$credits;
+    }
 
     $params = [
         'mode' => $isSub ? 'subscription' : 'payment',
@@ -44,10 +52,7 @@ try {
             'price'    => StripeClient::priceId($sku),
             'quantity' => 1,
         ]],
-        'metadata' => [
-            'user_id' => (string)$userId,
-            'sku'     => $sku,
-        ],
+        'metadata' => $metadata,
         'allow_promotion_codes' => true,
         'billing_address_collection' => 'auto',
         'locale' => 'auto',
@@ -58,10 +63,11 @@ try {
         FreeTier::ensureRow($userId);
         $detail = FreeTier::balanceDetail($userId);
         $params['subscription_data'] = [
-            'metadata' => ['user_id' => (string)$userId, 'tier' => $sku],
+            'metadata' => $metadata,
         ];
-        if ($sku === 'plus' && empty($detail['trial_started_at'])) {
-            $params['subscription_data']['trial_period_days'] = 14;
+        $trialDays = PricingCatalog::planTrialDays($sku);
+        if ($trialDays > 0 && empty($detail['trial_started_at'])) {
+            $params['subscription_data']['trial_period_days'] = $trialDays;
             $params['subscription_data']['trial_settings'] = [
                 'end_behavior' => ['missing_payment_method' => 'cancel'],
             ];
@@ -69,7 +75,7 @@ try {
         $params['payment_method_collection'] = 'always';
     } else {
         $params['payment_intent_data'] = [
-            'metadata' => ['user_id' => (string)$userId, 'sku' => $sku, 'credits' => (string)StripeClient::topupCredits($sku)],
+            'metadata' => $metadata,
         ];
     }
 
diff --git a/api/stripe-webhook.php b/api/stripe-webhook.php
index bd26bbf..4034ee7 100644
--- a/api/stripe-webhook.php
+++ b/api/stripe-webhook.php
@@ -122,7 +122,7 @@ function handleCheckoutCompleted(PDO $db, array $session): void
 
     if ($mode === 'payment') {
         // One-time topup — grant credits immediately.
-        $sku = (string)($metadata['sku'] ?? '');
+        $sku = StripeClient::canonicalSku((string)($metadata['sku'] ?? ''));
         $credits = StripeClient::topupCredits($sku);
         if ($credits > 0) {
             FreeTier::awardBonus($userId, $credits, 'topup:' . $sku);
diff --git a/api/timeline.php b/api/timeline.php
index 041da65..79b5a7a 100644
--- a/api/timeline.php
+++ b/api/timeline.php
@@ -7,12 +7,10 @@ require_once __DIR__ . '/../includes/ToolModels.php';
 dbnToolsRequireMethod('POST');
 dbnToolsRequireAuth();
 $ftUid = dbnToolsFreeTierCheck('timeline');
-$ftRemaining = dbnToolsFreeTierDeduct($ftUid, 'timeline');
-if ($ftRemaining >= 0) { header('X-Credits-Remaining: ' . $ftRemaining); }
 $input = dbnToolsJsonInput(400000);
 $language = dbnToolsNormalizeLanguage($input['language'] ?? 'en');
 
-dbnToolsWithTelemetry('timeline', $language, function () use ($input, $language, $ftUid): array {
+dbnToolsWithChargedTelemetry('timeline', $language, $ftUid, function () use ($input, $language, $ftUid): array {
     $text = dbnToolsInjectDocContent($input, dbnToolsString($input, 'text', 128000, false));
     if (mb_strlen(trim($text), 'UTF-8') < 10) {
         dbnToolsAbort('Paste text, upload a file, or select a document before running.', 422, 'empty_text');
diff --git a/api/transcribe.php b/api/transcribe.php
index 7b4b721..62161b5 100644
--- a/api/transcribe.php
+++ b/api/transcribe.php
@@ -2,12 +2,14 @@
 declare(strict_types=1);
 
 require_once __DIR__ . '/../includes/LegalTools.php';
+require_once __DIR__ . '/../includes/FreeTier.php';
 
 dbnToolsRequireMethod('POST');
 dbnToolsRequireAuth();
-$ftUid = dbnToolsFreeTierCheck('transcribe');
-$ftRemaining = dbnToolsFreeTierDeduct($ftUid, 'transcribe');
-if ($ftRemaining >= 0) { header('X-Credits-Remaining: ' . $ftRemaining); }
+$ftUid = 0;
+$ftRemaining = -1;
+$sttReservationId = 0;
+$sttSettled = false;
 
 set_time_limit(0);
 ignore_user_abort(true);
@@ -92,6 +94,23 @@ $detectedMime = mime_content_type($file['tmp_name']) ?: 'application/octet-strea
 $timeOffset   = max(0.0, (float)($_POST['time_offset'] ?? 0));
 $t0           = microtime(true);
 
+$estimatedCredits = FreeTier::estimateTranscribeCreditsFromFile((string)($file['name'] ?? ''), (int)($file['size'] ?? 0));
+$ftUid = dbnToolsFreeTierCheckAmount('transcribe', $estimatedCredits);
+if ($ftUid > 0) {
+    $sttReservationId = FreeTier::createReservation($ftUid, 'transcribe', $estimatedCredits, [
+        'filename' => (string)($file['name'] ?? ''),
+        'bytes' => (int)($file['size'] ?? 0),
+        'mime' => $detectedMime,
+        'language' => $language,
+        'diarize' => $diarize,
+    ]);
+    register_shutdown_function(static function () use (&$sttSettled, $sttReservationId): void {
+        if (!$sttSettled && $sttReservationId > 0) {
+            FreeTier::releaseReservation($sttReservationId, ['reason' => 'request_ended_before_settlement']);
+        }
+    });
+}
+
 // ── Auto-cascade: Azure → GCP → Whisper GPU ───────────────────────────────────
 
 $result      = null;
@@ -186,6 +205,25 @@ $engineLabel = match($engineUsed) {
 
 // ── Log + respond ─────────────────────────────────────────────────────────────
 
+$durationSec = round((float)($result['duration_seconds'] ?? $result['duration'] ?? 0), 2);
+$creditsUsed = FreeTier::transcribeCreditsForSeconds($durationSec);
+$ftRemaining = dbnToolsFreeTierDeductAmount($ftUid, 'transcribe', $creditsUsed, [
+    'engine' => $engineUsed,
+    'duration_sec' => $durationSec,
+    'estimated_credits' => $estimatedCredits,
+    'reservation_id' => $sttReservationId,
+]);
+if ($ftRemaining >= 0) {
+    header('X-Credits-Remaining: ' . $ftRemaining);
+}
+if ($sttReservationId > 0) {
+    FreeTier::settleReservation($sttReservationId, $creditsUsed, $engineUsed, $durationSec, [
+        'estimated_credits' => $estimatedCredits,
+        'balance_after' => $ftRemaining,
+    ]);
+    $sttSettled = true;
+}
+
 dbnToolsLogMetadata([
     'tool'       => 'transcribe',
     'engine'     => $engineUsed,
@@ -203,12 +241,14 @@ dbnToolsRespond([
     'speaker_roles' => $speakerRoles,
     'num_speakers'  => $numDetected,
     'language'      => (string)($result['language'] ?? $language),
-    'duration_sec'  => round((float)($result['duration_seconds'] ?? $result['duration'] ?? 0), 2),
+    'duration_sec'  => $durationSec,
     'processing_sec'=> round((float)($result['processing_seconds'] ?? 0), 2),
     'model'         => $engineLabel,
     'engine'        => $engineUsed,
     'latency_ms'    => $latencyMs,
     'cleaned_by'    => $cleanedBy,
+    'credits_used'  => $creditsUsed,
+    'balance'       => $ftRemaining,
 ]);
 
 
diff --git a/api/translate.php b/api/translate.php
index 1f0effb..02dd7d1 100644
--- a/api/translate.php
+++ b/api/translate.php
@@ -55,10 +55,6 @@ try {
     }
 
     $ftUid = dbnToolsFreeTierCheck('translate');
-    $ftRemaining = dbnToolsFreeTierDeduct($ftUid, 'translate');
-    if ($ftRemaining >= 0) {
-        header('X-Credits-Remaining: ' . $ftRemaining);
-    }
 
     $emit('start', [
         'mode'        => 'translate',
@@ -150,6 +146,11 @@ PROMPT;
         'deployment'  => 'gpt-4o-mini',
     ]);
 
+    $ftRemaining = dbnToolsFreeTierDeduct($ftUid, 'translate');
+    if ($ftRemaining >= 0) {
+        $result['balance'] = $ftRemaining;
+    }
+
     $emit('final', ['result' => $result]);
 
 } catch (DbnToolsHttpException $e) {
diff --git a/assets/js/barnevernet.js b/assets/js/barnevernet.js
index 076f357..1331e2a 100644
--- a/assets/js/barnevernet.js
+++ b/assets/js/barnevernet.js
@@ -564,6 +564,9 @@
     }
 
     lastResult = finalResult;
+    if (typeof finalResult.balance === 'number' && typeof window.dbnUpdateCredits === 'function') {
+      window.dbnUpdateCredits(finalResult.balance);
+    }
     const meta = finalResult.trace_metadata || {};
     setStatus(
       `Done in ${Math.round((finalResult.latency_ms || 0) / 1000)} s · ${meta.source_count || 0} sources · confidence ${meta.citation_confidence || '?'}`,
diff --git a/assets/js/deep-research.js b/assets/js/deep-research.js
index f40ec9a..dce5e4c 100644
--- a/assets/js/deep-research.js
+++ b/assets/js/deep-research.js
@@ -432,6 +432,9 @@
     }
 
     finalResult.query = query;
+    if (typeof finalResult.balance === 'number' && typeof window.dbnUpdateCredits === 'function') {
+      window.dbnUpdateCredits(finalResult.balance);
+    }
     lastResult = finalResult;
     const meta = finalResult.trace_metadata || {};
     const rc = meta.retrieval_counts || {};
diff --git a/assets/js/discrepancy.js b/assets/js/discrepancy.js
index b40ec85..e77a8d6 100644
--- a/assets/js/discrepancy.js
+++ b/assets/js/discrepancy.js
@@ -354,6 +354,9 @@
     }
 
     lastResult = finalResult;
+    if (typeof finalResult.balance === 'number' && typeof window.dbnUpdateCredits === 'function') {
+      window.dbnUpdateCredits(finalResult.balance);
+    }
     const meta = finalResult.trace_metadata || {};
     setStatus(
       `Done · ${meta.conflict_count || 0} contradictions · ${meta.deleted_count || 0} deletions · ${meta.added_count || 0} additions · ${meta.source_count || 0} sources`,
diff --git a/assets/js/korrespond.js b/assets/js/korrespond.js
index 6712abb..16b8800 100644
--- a/assets/js/korrespond.js
+++ b/assets/js/korrespond.js
@@ -382,6 +382,9 @@
     }
 
     setStatus(t('done_summary', { s: Math.round((finalResult.latency_ms || 0) / 1000), n: (finalResult.cited_law || []).length }), 'ok');
+    if (typeof finalResult.balance === 'number' && typeof window.dbnUpdateCredits === 'function') {
+      window.dbnUpdateCredits(finalResult.balance);
+    }
     lastFinal = finalResult;
     renderFinal(finalResult);
     pendingClarifications = {}; // reset for next run
@@ -487,6 +490,9 @@
     }
 
     setStatus(t('refined_summary', { s: Math.round((finalResult.latency_ms || 0) / 1000), n: (finalResult.cited_law || []).length, jur: jurLabel }), 'ok');
+    if (typeof finalResult.balance === 'number' && typeof window.dbnUpdateCredits === 'function') {
+      window.dbnUpdateCredits(finalResult.balance);
+    }
     renderRefined(finalResult);
   }
 
diff --git a/assets/js/tools.js b/assets/js/tools.js
index f9e9d61..7fed5a7 100644
--- a/assets/js/tools.js
+++ b/assets/js/tools.js
@@ -1882,6 +1882,9 @@ async function runTranscribe() {
       const resp = await fetch('api/transcribe.php', { method: 'POST', credentials: 'same-origin', body: fd });
       const data = await resp.json().catch(() => ({}));
       if (!resp.ok || !data.ok) throw new Error(data.error?.message || 'Transcription failed.');
+      if (typeof data.balance === 'number' && typeof window.dbnUpdateCredits === 'function') {
+        window.dbnUpdateCredits(data.balance);
+      }
       if (typeof renderTranscribeResult === 'function') renderTranscribeResult(data);
       else renderResults(data);
       showSaveResultButton('transcribe', { audio_doc_id: storedAudioDocId }, data, {
@@ -1968,6 +1971,9 @@ async function runTranscribe() {
       if (!resp.ok || !data.ok) {
         throw new Error(data.error?.message || currentUiT('transcribeFailed', resp.status));
       }
+      if (typeof data.balance === 'number' && typeof window.dbnUpdateCredits === 'function') {
+        window.dbnUpdateCredits(data.balance);
+      }
 
       clearInterval(timer);
       item.status = 'done';
@@ -2713,6 +2719,9 @@ function laAddonEvent(data, listEl, pipelineEl, cards) {
     card.insertAdjacentHTML('beforeend', html);
   } else if (data.event === 'final' && data.result) {
     const res = data.result;
+    if (typeof res.balance === 'number' && typeof window.dbnUpdateCredits === 'function') {
+      window.dbnUpdateCredits(res.balance);
+    }
     pipelineEl.innerHTML =
       '<div class="la-step done"><strong>' + escapeHtml(_laT('pass1')) + '</strong> — ' + escapeHtml(_laT('pass1Found', { n: (res.issues || []).length })) + '</div>'
       + '<div class="la-step done"><strong>' + escapeHtml(_laT('pass2')) + '</strong> — ' + escapeHtml(_laT('pass2Answered', { n: (res.issues || []).length })) + '</div>'
@@ -2792,6 +2801,7 @@ function dbnFreeTierError(status, data) {
     const toast = document.createElement('div');
     toast.className = 'credit-toast';
     toast.textContent = 'Rate limit reached — you can make up to 10 requests per hour on the free tier.';
+    toast.textContent = data?.error?.message || 'Rate limit reached. Try again shortly or see pricing for higher caps.';
     document.body.appendChild(toast);
     setTimeout(() => toast.remove(), 5000);
     return;
@@ -2810,6 +2820,12 @@ function dbnFreeTierError(status, data) {
         <button class="credit-modal__dismiss" onclick="this.closest('.credit-modal-overlay').remove()">Close</button>
       </div>
     </div>`;
+  overlay.querySelector('.credit-modal__icon').textContent = 'DBN';
+  overlay.querySelector('#cmTitle').textContent = 'No credits remaining';
+  overlay.querySelector('p').innerHTML = 'Your monthly and prepaid credits have been used.<br>Monthly credits reset next month, and prepaid top-ups never expire.';
+  const pricingLink = overlay.querySelector('.credit-modal__cta');
+  pricingLink.setAttribute('href', '/pricing.php');
+  pricingLink.textContent = 'See plans and top-ups';
   document.body.appendChild(overlay);
   overlay.addEventListener('click', (e) => { if (e.target === overlay) overlay.remove(); });
 }
diff --git a/billing.php b/billing.php
index 9ab75f1..f1dc944 100644
--- a/billing.php
+++ b/billing.php
@@ -3,6 +3,7 @@ declare(strict_types=1);
 
 require_once __DIR__ . '/includes/bootstrap.php';
 require_once __DIR__ . '/includes/FreeTier.php';
+require_once __DIR__ . '/includes/PricingCatalog.php';
 
 if (!dbnToolsIsAuthenticated()) {
     header('Location: /?return=' . urlencode('/billing.php'));
@@ -28,12 +29,8 @@ $storageMb = round($detail['storage_used_bytes'] / 1048576, 1);
 $quotaMb = $detail['storage_quota_bytes'] > 0 ? round($detail['storage_quota_bytes'] / 1048576, 0) : 0;
 $storagePct = $quotaMb > 0 ? min(100, round(($storageMb / $quotaMb) * 100)) : 0;
 
-$tierLabels = [
-    'free' => 'Gratis',
-    'plus' => 'Plus',
-    'pro' => 'Pro Familie',
-    'caveau' => 'CaveauAI',
-];
+$tierLabels = array_map(static fn(array $plan): string => (string)$plan['name'], PricingCatalog::plans());
+$tierLabels['caveau'] = 'CaveauAI';
 
 // Recent usage
 $db = dbnmDb();
@@ -125,7 +122,7 @@ $status = (string)($_GET['status'] ?? '');
             <h2>Tilgjengelige kreditter</h2>
             <p class="balance-big"><?= number_format($effective, 0, ',', ' ') ?></p>
             <p class="balance-break">
-                <?= (int)$detail['balance'] ?> månedlige · <?= (int)$detail['bonus_balance'] ?> bonus
+                <?= (int)$detail['balance'] ?> månedlige · <?= (int)$detail['bonus_balance'] ?> forhåndsbetalte
             </p>
         </div>
 
diff --git a/dashboard.php b/dashboard.php
index 59e9c21..87f8af9 100644
--- a/dashboard.php
+++ b/dashboard.php
@@ -60,7 +60,7 @@ window.DBN_TOOLS_LANG = <?= json_encode($uiLang, JSON_UNESCAPED_UNICODE) ?>;
                 <?php $eff = (int)$dashDetail['balance'] + (int)$dashDetail['bonus_balance']; ?>
                 <?= number_format($eff, 0, ',', ' ') ?>
             </p>
-            <p style="margin:0; color:#6b7280; font-size:0.85rem;"><?= (int)$dashDetail['balance'] ?> <?= htmlspecialchars(dbnToolsT('credits_monthly', $uiLang)) ?> · <?= (int)$dashDetail['bonus_balance'] ?> <?= htmlspecialchars(dbnToolsT('credits_bonus', $uiLang)) ?> · <a href="/billing.php"><?= htmlspecialchars(dbnToolsT('details_link', $uiLang)) ?></a></p>
+            <p style="margin:0; color:#6b7280; font-size:0.85rem;"><?= (int)$dashDetail['balance'] ?> <?= htmlspecialchars(dbnToolsT('credits_monthly', $uiLang)) ?> · <?= (int)$dashDetail['bonus_balance'] ?> <?= $uiLang === 'no' ? 'forhåndsbetalte' : 'prepaid' ?> · <a href="/billing.php"><?= htmlspecialchars(dbnToolsT('details_link', $uiLang)) ?></a></p>
         </div>
         <?php if (in_array($dashTier, ['plus','pro'], true)): ?>
         <a class="status-card" href="/min-sak.php" style="background:#fff; border:1px solid #e5e7eb; border-radius:10px; padding:1.1rem 1.25rem; text-decoration:none; color:inherit;">
diff --git a/includes/FreeTier.php b/includes/FreeTier.php
index efdb2fa..52b16ba 100644
--- a/includes/FreeTier.php
+++ b/includes/FreeTier.php
@@ -1,102 +1,48 @@
 <?php
 declare(strict_types=1);
 
+require_once __DIR__ . '/PricingCatalog.php';
+
 /**
- * Credit + tier system for users of tools.dobetternorge.no.
+ * Credit + tier system for SSO users of tools.dobetternorge.no.
  *
- * Three tiers: free, plus, pro (NOK pricing, see pricing.php).
- *
- * Tables:
- *   user_tool_credits — balance (monthly, resets), bonus_balance (never expires), tier,
- *                       Stripe links, trial_started_at / trial_expires_at / trial_downgraded_at
- *   user_tool_usage_log — every tool call with credits_used
- *   user_subscriptions — Stripe subscription ledger
- *
- * Effective balance = balance + bonus_balance.
- * Spend order: deduct from balance first, overflow to bonus_balance.
- * Pro tier has the largest monthly allowance (still subject to hourly cap).
- *
- * Trial is Stripe-driven: when subscription.status='trialing', tier='plus' and
- * trial_expires_at mirrors Stripe's trial_end. No homegrown trial cron — the
- * Stripe webhook flips tier='free' on subscription.deleted.
- *
- * CaveauAI client sessions bypass all credit checks.
- * Only SSO sessions are subject to limits.
+ * balance = monthly credits, reset/refilled by tier.
+ * bonus_balance = prepaid/top-up credits, never expires.
+ * Spend order: monthly first, prepaid second.
  */
 final class FreeTier
 {
-    private const COSTS = [
-        'corpus-search' => 0,
-        'search'        => 0,
-        'ask'           => 1,
-        'extract'       => 1,
-        'timeline'      => 2,
-        'redact'        => 2,
-        'barnevernet'   => 3,
-        'advocate'      => 3,
-        'deep-research' => 5,
-        'transcribe'    => 2,
-        'discrepancy'   => 4,
-        'korrespond'    => 3,
-        'translate'     => 2,
-    ];
-
-    /** Monthly credit allowance per tier. */
-    private const MONTHLY_ALLOWANCE = [
-        'free' => 30,
-        'plus' => 250,
-        'pro'  => 1000,
-    ];
-
-    /** Hourly rate-limit per tier (number of paid tool calls per rolling hour). */
-    private const HOURLY_CAP = [
-        'free' => 10,
-        'plus' => 20,
-        'pro'  => 40,
-    ];
-
-    /** Per-user case-storage quota in bytes. */
-    private const STORAGE_QUOTA = [
-        'free' => 0,
-        'plus' =>    524288000,  // 500 MB
-        'pro'  =>   5368709120,  // 5 GB
-    ];
-
-    /** Credit cost for a given tool slug. Returns 1 for unknown tools. */
     public static function cost(string $tool): int
     {
-        return self::COSTS[$tool] ?? 1;
+        return PricingCatalog::toolCost($tool);
     }
 
     public static function monthlyAllowance(string $tier): int
     {
-        return self::MONTHLY_ALLOWANCE[$tier] ?? self::MONTHLY_ALLOWANCE['free'];
+        return PricingCatalog::monthlyAllowance($tier);
     }
 
     public static function hourlyCap(string $tier): int
     {
-        return self::HOURLY_CAP[$tier] ?? self::HOURLY_CAP['free'];
+        return PricingCatalog::hourlyCap($tier);
     }
 
     public static function storageQuota(string $tier): int
     {
-        return self::STORAGE_QUOTA[$tier] ?? 0;
+        return PricingCatalog::storageQuota($tier);
     }
 
-    /** Fetch a user's tier (defaults to 'free' if no row). */
     public static function tier(int $userId): string
     {
         $row = self::row($userId);
         return $row['tier'] ?? 'free';
     }
 
-    /** Tiers that have access to "My Case" features (upload, save analyses, use case context). */
     public static function isPaidTier(string $tier): bool
     {
-        return in_array($tier, ['plus', 'pro'], true);
+        return PricingCatalog::isPaidTier($tier);
     }
 
-    /** True when the user is currently in a Stripe trial (tier='plus', trial_expires_at in future). */
     public static function isTrialActive(int $userId): bool
     {
         $row = self::row($userId);
@@ -104,13 +50,9 @@ final class FreeTier
             return false;
         }
         $expires = $row['trial_expires_at'] ?? null;
-        if (!$expires) {
-            return false;
-        }
-        return strtotime((string)$expires) > time();
+        return $expires ? strtotime((string)$expires) > time() : false;
     }
 
-    /** Days remaining in the active trial (0 if no trial / expired). */
     public static function trialDaysRemaining(int $userId): int
     {
         if (!self::isTrialActive($userId)) {
@@ -121,18 +63,25 @@ final class FreeTier
         return max(0, (int)ceil(($expires - time()) / 86400));
     }
 
-    /** Fetch the full credits row, applying lazy monthly reset. */
     public static function row(int $userId): ?array
     {
         $db = dbnmDb();
-        // Auto-refill monthly balance based on tier-specific allowance, only if a new calendar month has begun.
+        $freeAllowance = self::monthlyAllowance('free');
+        $plusAllowance = self::monthlyAllowance('plus');
+        $proAllowance = self::monthlyAllowance('pro');
+
         $db->prepare(
             "UPDATE user_tool_credits
              SET balance = CASE tier
-                   WHEN 'free' THEN " . self::MONTHLY_ALLOWANCE['free'] . "
-                   WHEN 'plus' THEN " . self::MONTHLY_ALLOWANCE['plus'] . "
-                   WHEN 'pro'  THEN " . self::MONTHLY_ALLOWANCE['pro']  . "
+                   WHEN 'free' THEN {$freeAllowance}
+                   WHEN 'plus' THEN {$plusAllowance}
+                   WHEN 'pro'  THEN {$proAllowance}
                    ELSE balance END,
+                 allowance = CASE tier
+                   WHEN 'free' THEN {$freeAllowance}
+                   WHEN 'plus' THEN {$plusAllowance}
+                   WHEN 'pro'  THEN {$proAllowance}
+                   ELSE allowance END,
                  last_reset = CURDATE()
              WHERE user_id = ?
                AND (YEAR(last_reset) < YEAR(CURDATE()) OR MONTH(last_reset) < MONTH(CURDATE()))"
@@ -144,38 +93,39 @@ final class FreeTier
         return is_array($row) ? $row : null;
     }
 
-    /**
-     * Check whether the user may proceed with a tool call.
-     *
-     * Returns:
-     *   ['ok' => true,  'balance' => int, 'bonus_balance' => int, 'tier' => string]
-     *   ['ok' => false, 'balance' => int, 'bonus_balance' => int, 'tier' => string,
-     *    'reason' => 'no_credits'|'rate_limit']
-     */
     public static function check(int $userId, string $tool): array
+    {
+        return self::checkAmount($userId, $tool, self::cost($tool));
+    }
+
+    public static function checkAmount(int $userId, string $tool, int $credits): array
     {
         $db = dbnmDb();
-        $cost = self::cost($tool);
         $row = self::row($userId);
+        $credits = max(0, $credits);
 
         if ($row === null) {
             return [
-                'ok' => false, 'balance' => 0, 'bonus_balance' => 0,
-                'tier' => 'free', 'reason' => 'no_credits',
+                'ok' => false,
+                'balance' => 0,
+                'bonus_balance' => 0,
+                'tier' => 'free',
+                'reason' => 'no_credits',
+                'cost' => $credits,
             ];
         }
 
         $balance = (int)$row['balance'];
-        $bonus   = (int)$row['bonus_balance'];
-        $tier    = (string)$row['tier'];
+        $bonus = (int)$row['bonus_balance'];
+        $tier = (string)$row['tier'];
 
         $base = [
             'balance' => $balance,
             'bonus_balance' => $bonus,
             'tier' => $tier,
+            'cost' => $credits,
         ];
 
-        // Hourly rate limit (always applies)
         $stmt = $db->prepare(
             'SELECT COUNT(*) FROM user_tool_usage_log
              WHERE user_id = ? AND created_at > DATE_SUB(NOW(), INTERVAL 1 HOUR) AND credits_used > 0'
@@ -186,67 +136,85 @@ final class FreeTier
             return $base + ['ok' => false, 'reason' => 'rate_limit'];
         }
 
-        // Free tool (cost=0) always passes credit check
-        if ($cost === 0) {
+        if ($credits === 0) {
             return $base + ['ok' => true];
         }
 
-        if (($balance + $bonus) < $cost) {
+        if (($balance + $bonus) < $credits) {
             return $base + ['ok' => false, 'reason' => 'no_credits'];
         }
 
         return $base + ['ok' => true];
     }
 
-    /**
-     * Deduct credits for a completed tool call and log the usage.
-     * Spends from `balance` first, then `bonus_balance`.
-     *
-     * Returns the new effective balance (balance + bonus_balance).
-     */
     public static function deduct(int $userId, string $tool): int
     {
-        $db   = dbnmDb();
-        $cost = self::cost($tool);
-        $row  = self::row($userId);
+        return self::deductAmount($userId, $tool, self::cost($tool));
+    }
 
-        if ($cost > 0 && $row !== null) {
-            $balance = (int)$row['balance'];
-            $bonus   = (int)$row['bonus_balance'];
+    public static function deductAmount(int $userId, string $tool, int $credits, array $metadata = []): int
+    {
+        $db = dbnmDb();
+        $credits = max(0, $credits);
+        $row = self::row($userId);
+        $beforeMonthly = $row ? (int)$row['balance'] : 0;
+        $beforePrepaid = $row ? (int)$row['bonus_balance'] : 0;
+        $fromMonthly = 0;
+        $fromPrepaid = 0;
 
-            $fromBalance = min($cost, $balance);
-            $fromBonus   = $cost - $fromBalance;
+        if ($credits > 0 && $row !== null) {
+            $fromMonthly = min($credits, $beforeMonthly);
+            $fromPrepaid = $credits - $fromMonthly;
 
-            $db->prepare(
+            $stmt = $db->prepare(
                 'UPDATE user_tool_credits
                  SET balance = GREATEST(0, balance - ?),
                      bonus_balance = GREATEST(0, bonus_balance - ?)
-                 WHERE user_id = ?'
-            )->execute([$fromBalance, $fromBonus, $userId]);
+                 WHERE user_id = ?
+                   AND (balance + bonus_balance) >= ?'
+            );
+            $stmt->execute([$fromMonthly, $fromPrepaid, $userId, $credits]);
+
+            if ($stmt->rowCount() < 1) {
+                $check = self::checkAmount($userId, $tool, $credits);
+                if (empty($check['ok'])) {
+                    throw new RuntimeException('Insufficient credits while settling tool charge.');
+                }
+            }
         }
 
         $db->prepare(
             'INSERT INTO user_tool_usage_log (user_id, tool, credits_used) VALUES (?, ?, ?)'
-        )->execute([$userId, $tool, $cost]);
+        )->execute([$userId, $tool, $credits]);
 
         $latest = self::row($userId);
-        return $latest ? ((int)$latest['balance'] + (int)$latest['bonus_balance']) : 0;
+        $afterMonthly = $latest ? (int)$latest['balance'] : 0;
+        $afterPrepaid = $latest ? (int)$latest['bonus_balance'] : 0;
+        self::recordLedger($userId, 'tool_charge', $tool, -$credits, [
+            'from_monthly' => $fromMonthly,
+            'from_prepaid' => $fromPrepaid,
+            'before_monthly' => $beforeMonthly,
+            'before_prepaid' => $beforePrepaid,
+            'after_monthly' => $afterMonthly,
+            'after_prepaid' => $afterPrepaid,
+        ] + $metadata);
+
+        return $afterMonthly + $afterPrepaid;
     }
 
-    /** Effective balance (monthly + bonus). */
     public static function balance(int $userId): int
     {
         $row = self::row($userId);
         return $row ? ((int)$row['balance'] + (int)$row['bonus_balance']) : 0;
     }
 
-    /** Detailed balance breakdown for UI rendering. */
     public static function balanceDetail(int $userId): array
     {
         $row = self::row($userId);
         if (!$row) {
             return ['balance' => 0, 'bonus_balance' => 0, 'tier' => 'free'];
         }
+
         return [
             'balance' => (int)$row['balance'],
             'bonus_balance' => (int)$row['bonus_balance'],
@@ -262,10 +230,6 @@ final class FreeTier
         ];
     }
 
-    /**
-     * Award one-time bonus credits (survey reward, Stripe topup, manual grant).
-     * Source is logged via user_tool_usage_log with a negative credits_used value.
-     */
     public static function awardBonus(int $userId, int $credits, string $source): int
     {
         if ($credits <= 0) {
@@ -273,20 +237,29 @@ final class FreeTier
         }
         $db = dbnmDb();
         self::ensureRow($userId);
+        $row = self::row($userId);
+        $beforeMonthly = $row ? (int)$row['balance'] : 0;
+        $beforePrepaid = $row ? (int)$row['bonus_balance'] : 0;
+
         $db->prepare('UPDATE user_tool_credits SET bonus_balance = bonus_balance + ? WHERE user_id = ?')
            ->execute([$credits, $userId]);
         $db->prepare('INSERT INTO user_tool_usage_log (user_id, tool, credits_used) VALUES (?, ?, ?)')
            ->execute([$userId, 'bonus:' . substr($source, 0, 40), -$credits]);
-        return self::balance($userId);
+
+        $latest = self::row($userId);
+        $afterMonthly = $latest ? (int)$latest['balance'] : 0;
+        $afterPrepaid = $latest ? (int)$latest['bonus_balance'] : 0;
+        self::recordLedger($userId, 'credit_grant', 'bonus:' . substr($source, 0, 40), $credits, [
+            'source' => $source,
+            'before_monthly' => $beforeMonthly,
+            'before_prepaid' => $beforePrepaid,
+            'after_monthly' => $afterMonthly,
+            'after_prepaid' => $afterPrepaid,
+        ]);
+
+        return $afterMonthly + $afterPrepaid;
     }
 
-    /**
-     * Set or upgrade a user's tier (called by Stripe subscription webhook).
-     * Refills monthly balance to the new tier's allowance.
-     *
-     * When $trialEndIso is non-null, also writes trial_started_at (preserving original on updates)
-     * and trial_expires_at — used when subscription.status='trialing'.
-     */
     public static function setTier(
         int $userId,
         string $tier,
@@ -325,12 +298,16 @@ final class FreeTier
                  WHERE user_id = ?'
             )->execute([$tier, $allowance, $allowance, $stripeCustomerId, $subscriptionId, $periodEndIso, $userId]);
         }
+
+        self::recordLedger($userId, 'subscription_refill', 'subscription:' . $tier, $allowance, [
+            'tier' => $tier,
+            'subscription_id' => $subscriptionId,
+            'stripe_customer_id' => $stripeCustomerId,
+            'period_end' => $periodEndIso,
+            'trial_end' => $trialEndIso,
+        ]);
     }
 
-    /**
-     * Refill monthly balance at subscription renewal (invoice.paid).
-     * Does not touch bonus_balance.
-     */
     public static function refillForRenewal(int $userId, string $tier, ?string $periodEndIso): void
     {
         $db = dbnmDb();
@@ -338,20 +315,22 @@ final class FreeTier
         $db->prepare(
             'UPDATE user_tool_credits
              SET balance = ?,
+                 allowance = ?,
                  subscription_period_end = ?,
                  last_reset = CURDATE()
              WHERE user_id = ?'
-        )->execute([$allowance, $periodEndIso, $userId]);
+        )->execute([$allowance, $allowance, $periodEndIso, $userId]);
+
+        self::recordLedger($userId, 'subscription_refill', 'invoice:' . $tier, $allowance, [
+            'tier' => $tier,
+            'period_end' => $periodEndIso,
+        ]);
     }
 
-    /**
-     * Revert a user to free tier (subscription canceled, trial ended without conversion).
-     * Preserves bonus_balance and case_documents (handled by 60-day cron).
-     * Stamps trial_downgraded_at if a trial was active.
-     */
     public static function clearTier(int $userId): void
     {
         $db = dbnmDb();
+        $allowance = self::monthlyAllowance('free');
         $db->prepare(
             "UPDATE user_tool_credits
              SET tier = 'free',
@@ -366,10 +345,11 @@ final class FreeTier
                  END,
                  trial_expires_at = NULL
              WHERE user_id = ?"
-        )->execute([self::monthlyAllowance('free'), self::monthlyAllowance('free'), $userId]);
+        )->execute([$allowance, $allowance, $userId]);
+
+        self::recordLedger($userId, 'tier_change', 'subscription:clear', 0, ['tier' => 'free']);
     }
 
-    /** Mark survey as completed so the bonus can only be claimed once per account. */
     public static function markSurveyCompleted(int $userId): void
     {
         $db = dbnmDb();
@@ -384,13 +364,118 @@ final class FreeTier
         return !empty($row['survey_completed_at']);
     }
 
-    /** Create the user_tool_credits row if missing (idempotent). */
     public static function ensureRow(int $userId): void
     {
         $db = dbnmDb();
+        $allowance = self::monthlyAllowance('free');
         $db->prepare(
             'INSERT IGNORE INTO user_tool_credits (user_id, balance, allowance, tier, last_reset, created_at)
              VALUES (?, ?, ?, ?, CURDATE(), NOW())'
-        )->execute([$userId, self::monthlyAllowance('free'), self::monthlyAllowance('free'), 'free']);
+        )->execute([$userId, $allowance, $allowance, 'free']);
+    }
+
+    public static function transcribeCreditsForSeconds(float $seconds): int
+    {
+        return PricingCatalog::transcribeCreditsForSeconds($seconds);
+    }
+
+    public static function estimateTranscribeCreditsFromBytes(int $bytes): int
+    {
+        return PricingCatalog::estimateTranscribeCreditsFromBytes($bytes);
+    }
+
+    public static function estimateTranscribeCreditsFromFile(string $filename, int $bytes): int
+    {
+        return PricingCatalog::estimateTranscribeCreditsFromFile($filename, $bytes);
+    }
+
+    public static function createReservation(int $userId, string $tool, int $credits, array $metadata = []): int
+    {
+        try {
+            $db = dbnmDb();
+            $db->prepare(
+                'INSERT INTO user_tool_credit_reservations
+                   (user_id, tool, reserved_credits, status, metadata_json, created_at, expires_at)
+                 VALUES (?, ?, ?, ?, ?, NOW(), DATE_ADD(NOW(), INTERVAL 2 HOUR))'
+            )->execute([
+                $userId,
+                substr($tool, 0, 40),
+                max(0, $credits),
+                'reserved',
+                json_encode($metadata, JSON_UNESCAPED_UNICODE | JSON_UNESCAPED_SLASHES),
+            ]);
+            return (int)$db->lastInsertId();
+        } catch (Throwable $e) {
+            return 0;
+        }
+    }
+
+    public static function settleReservation(int $reservationId, int $credits, string $provider, float $durationSeconds, array $metadata = []): void
+    {
+        if ($reservationId <= 0) {
+            return;
+        }
+        try {
+            $db = dbnmDb();
+            $db->prepare(
+                "UPDATE user_tool_credit_reservations
+                 SET status = 'settled',
+                     settled_credits = ?,
+                     provider = ?,
+                     duration_seconds = ?,
+                     metadata_json = ?,
+                     settled_at = NOW()
+                 WHERE id = ? AND status = 'reserved'"
+            )->execute([
+                max(0, $credits),
+                substr($provider, 0, 40),
+                round($durationSeconds, 2),
+                json_encode($metadata, JSON_UNESCAPED_UNICODE | JSON_UNESCAPED_SLASHES),
+                $reservationId,
+            ]);
+        } catch (Throwable $e) {
+            // Non-fatal audit path.
+        }
+    }
+
+    public static function releaseReservation(int $reservationId, array $metadata = []): void
+    {
+        if ($reservationId <= 0) {
+            return;
+        }
+        try {
+            $db = dbnmDb();
+            $db->prepare(
+                "UPDATE user_tool_credit_reservations
+                 SET status = 'released',
+                     metadata_json = ?
+                 WHERE id = ? AND status = 'reserved'"
+            )->execute([
+                json_encode($metadata, JSON_UNESCAPED_UNICODE | JSON_UNESCAPED_SLASHES),
+                $reservationId,
+            ]);
+        } catch (Throwable $e) {
+            // Non-fatal audit path.
+        }
+    }
+
+    private static function recordLedger(int $userId, string $eventType, string $source, int $creditsDelta, array $metadata = []): void
+    {
+        try {
+            $db = dbnmDb();
+            $db->prepare(
+                'INSERT INTO user_tool_credit_ledger
+                   (user_id, event_type, source, credits_delta, metadata_json, created_at)
+                 VALUES (?, ?, ?, ?, ?, NOW())'
+            )->execute([
+                $userId,
+                substr($eventType, 0, 40),
+                substr($source, 0, 100),
+                $creditsDelta,
+                json_encode($metadata, JSON_UNESCAPED_UNICODE | JSON_UNESCAPED_SLASHES),
+            ]);
+        } catch (Throwable $e) {
+            // Ledger is additive and should not block core credit behavior before migration is applied.
+        }
     }
 }
diff --git a/includes/KorrespondAgent.php b/includes/KorrespondAgent.php
index 1662ee7..a99954f 100644
--- a/includes/KorrespondAgent.php
+++ b/includes/KorrespondAgent.php
@@ -234,8 +234,9 @@ PROMPT;
      *
      * @return array  Final result payload (matches NDJSON 'final' event shape).
      */
-    public function generate(array $intake, array $classify, ?callable $emit = null): array
+    public function generate(array $intake, array $classify, ?callable $emit = null, string $engine = 'azure_mini'): array
     {
+        $draftDeployment = ($engine === 'azure_full') ? 'gpt-4o' : 'gpt-4o-mini';
         $body         = $intake['recipient_body'] ?? 'other';
         $outputType   = $intake['output_type'] ?? 'email';
         $tone         = $intake['tone'] ?? 'neutral';
@@ -256,7 +257,7 @@ PROMPT;
         // ── Draft in Norwegian bokmål ───────────────────────────────────────────
         if ($emit) { $emit('progress', ['detail' => self::L('drafting_no', $userLang)]); }
         $draftNo = $this->draftNorwegian(
-            $intake, $classify, $retrieval['sources'], $bodyLabel, $outputType, $tone, $goal
+            $intake, $classify, $retrieval['sources'], $bodyLabel, $outputType, $tone, $goal, $draftDeployment
         );
 
         // ── Self-check: verify citations, deadline, goal, tone ──────────────────
@@ -528,7 +529,7 @@ PROMPT;
 
     private function draftNorwegian(
         array $intake, array $classify, array $sources, string $bodyLabel,
-        string $outputType, string $tone, string $goal
+        string $outputType, string $tone, string $goal, string $draftDeployment = self::DRAFT_DEPLOYMENT
     ): string {
         $context     = $this->buildContextBlob($intake);
         $toneLabel   = $this->toneLabelNorsk($tone);
@@ -576,7 +577,7 @@ Skriv kun utkastet. Ingen forklaring eller preamble. Bruk linjeskift som passer
 PROMPT;
 
         try {
-            return $this->azure->withDeployment(self::DRAFT_DEPLOYMENT)->chatText([
+            return $this->azure->withDeployment($draftDeployment)->chatText([
                 ['role' => 'system', 'content' => 'Du er en erfaren norsk juridisk forfatter som skriver presist og faktabasert.'],
                 ['role' => 'user',   'content' => $prompt],
             ], [
diff --git a/includes/LegalTools.php b/includes/LegalTools.php
index 6023245..f19e483 100644
--- a/includes/LegalTools.php
+++ b/includes/LegalTools.php
@@ -186,8 +186,9 @@ final class DbnLegalToolsService
         ];
     }
 
-    public function ask(string $question, string $language = 'en'): array
+    public function ask(string $question, string $language = 'en', string $engine = 'azure_mini'): array
     {
+        $engine = in_array($engine, ['azure_mini', 'azure_full'], true) ? $engine : 'azure_mini';
         $search = $this->search($question, $language, 7);
         $hits = $search['hits'];
         $trace = $search['trace'];
@@ -240,7 +241,8 @@ Return JSON only with these keys:
 PROMPT;
 
         $system = $this->legalJsonSystemPrompt($language);
-        $raw = $this->azure->chatText([
+        $askDeployment = ($engine === 'azure_full') ? 'gpt-4o' : 'gpt-4o-mini';
+        $raw = $this->azure->withDeployment($askDeployment)->chatText([
             ['role' => 'system', 'content' => $system],
             ['role' => 'user', 'content' => $prompt],
         ], [
@@ -278,7 +280,7 @@ PROMPT;
             'trace_metadata' => [
                 'chunk_count' => count($hits),
                 'source_count' => count($hits),
-                'deployment' => $this->azure->chatDeployment(),
+                'deployment' => $askDeployment,
                 'citation_confidence' => $search['trace_metadata']['citation_confidence'] ?? 'medium',
             ],
             'disclaimer' => dbnToolsDisclaimer($language),
diff --git a/includes/PricingCatalog.php b/includes/PricingCatalog.php
new file mode 100644
index 0000000..60bd70b
--- /dev/null
+++ b/includes/PricingCatalog.php
@@ -0,0 +1,297 @@
+<?php
+declare(strict_types=1);
+
+/**
+ * Authoritative pricing, entitlement, and credit catalog for DBN Tools.
+ *
+ * Current database columns are intentionally preserved:
+ * - user_tool_credits.balance = monthly credits
+ * - user_tool_credits.bonus_balance = prepaid/top-up credits
+ */
+final class PricingCatalog
+{
+    public const VERSION = 'dbn-tools-nok-2026-05-v1';
+
+    /** @return array<string,array<string,mixed>> */
+    public static function plans(): array
+    {
+        return [
+            'free' => [
+                'sku' => 'free',
+                'tier' => 'free',
+                'name' => 'Gratis',
+                'price_nok' => 0,
+                'unit_amount' => 0,
+                'currency' => 'nok',
+                'monthly_credits' => 30,
+                'effective_credit_cost' => null,
+                'storage_bytes' => 0,
+                'seats' => 1,
+                'hourly_cap' => 10,
+                'trial_days' => 0,
+                'stripe_price_key' => null,
+                'features' => [
+                    'Pasted-text tools',
+                    'Norwegian legal corpus search',
+                    'No My Case storage',
+                ],
+            ],
+            'plus' => [
+                'sku' => 'plus',
+                'tier' => 'plus',
+                'name' => 'Pluss',
+                'price_nok' => 149,
+                'unit_amount' => 14900,
+                'currency' => 'nok',
+                'monthly_credits' => 250,
+                'effective_credit_cost' => 0.60,
+                'storage_bytes' => 524288000,
+                'seats' => 1,
+                'hourly_cap' => 20,
+                'trial_days' => 14,
+                'stripe_price_key' => 'STRIPE_PRICE_PLUS_NOK',
+                'features' => [
+                    '500 MB My Case storage',
+                    'Use private case context in tools',
+                    'Saved analyses',
+                    '14-day trial',
+                ],
+            ],
+            'pro' => [
+                'sku' => 'pro',
+                'tier' => 'pro',
+                'name' => 'Pro Familie',
+                'price_nok' => 399,
+                'unit_amount' => 39900,
+                'currency' => 'nok',
+                'monthly_credits' => 900,
+                'effective_credit_cost' => 0.44,
+                'storage_bytes' => 5368709120,
+                'seats' => 3,
+                'hourly_cap' => 40,
+                'trial_days' => 0,
+                'stripe_price_key' => 'STRIPE_PRICE_PRO_NOK',
+                'features' => [
+                    '5 GB shared My Case storage',
+                    '3 users on one case',
+                    'Full Azure model route',
+                    'Priority for complex analysis',
+                ],
+            ],
+        ];
+    }
+
+    /** @return array<string,array<string,mixed>> */
+    public static function topups(): array
+    {
+        return [
+            'topup_100' => [
+                'sku' => 'topup_100',
+                'name' => 'Ekstra 100',
+                'price_nok' => 129,
+                'unit_amount' => 12900,
+                'currency' => 'nok',
+                'credits' => 100,
+                'cost_per_credit' => 1.29,
+                'stripe_price_key' => 'STRIPE_PRICE_TOPUP_100_NOK',
+                'aliases' => ['topup_s'],
+            ],
+            'topup_300' => [
+                'sku' => 'topup_300',
+                'name' => 'Saks-pakke 300',
+                'price_nok' => 299,
+                'unit_amount' => 29900,
+                'currency' => 'nok',
+                'credits' => 300,
+                'cost_per_credit' => 1.00,
+                'stripe_price_key' => 'STRIPE_PRICE_TOPUP_300_NOK',
+                'aliases' => ['topup_m'],
+            ],
+            'topup_1000' => [
+                'sku' => 'topup_1000',
+                'name' => 'Stor pakke 1000',
+                'price_nok' => 849,
+                'unit_amount' => 84900,
+                'currency' => 'nok',
+                'credits' => 1000,
+                'cost_per_credit' => 0.85,
+                'stripe_price_key' => 'STRIPE_PRICE_TOPUP_1000_NOK',
+                'aliases' => ['topup_l'],
+            ],
+        ];
+    }
+
+    /** @return array<string,int> */
+    public static function toolCosts(): array
+    {
+        return [
+            'search' => 0,
+            'corpus-search' => 0,
+            'ask' => 1,
+            'extract' => 1,
+            'summarize' => 1,
+            'translate' => 1,
+            'korrespond_refine' => 1,
+            'timeline' => 2,
+            'redact' => 2,
+            'barnevernet' => 3,
+            'advocate' => 3,
+            'korrespond' => 3,
+            'legal-analysis' => 3,
+            'discrepancy' => 4,
+            'deep-research' => 6,
+            'transcribe' => 5,
+        ];
+    }
+
+    /** @return array<string,mixed> */
+    public static function stt(): array
+    {
+        return [
+            'minimum_credits' => 5,
+            'credits_per_started_minute' => 1,
+            'reservation_bytes_per_credit' => 300000,
+        ];
+    }
+
+    /** @return array<string,mixed>|null */
+    public static function plan(string $sku): ?array
+    {
+        $plans = self::plans();
+        return $plans[$sku] ?? null;
+    }
+
+    /** @return array<string,mixed>|null */
+    public static function topup(string $sku): ?array
+    {
+        $canonical = self::canonicalSku($sku);
+        $topups = self::topups();
+        return $topups[$canonical] ?? null;
+    }
+
+    public static function canonicalSku(string $sku): string
+    {
+        $sku = trim($sku);
+        if ($sku === 'light') {
+            return 'plus';
+        }
+        if ($sku === 'pro-plus') {
+            return 'pro';
+        }
+        foreach (self::topups() as $canonical => $topup) {
+            if ($sku === $canonical || in_array($sku, $topup['aliases'] ?? [], true)) {
+                return $canonical;
+            }
+        }
+        return $sku;
+    }
+
+    public static function isSubscriptionSku(string $sku): bool
+    {
+        $sku = self::canonicalSku($sku);
+        return in_array($sku, ['plus', 'pro'], true);
+    }
+
+    public static function isTopupSku(string $sku): bool
+    {
+        return self::topup($sku) !== null;
+    }
+
+    /** @return list<string> */
+    public static function subscriptionSkus(): array
+    {
+        return ['plus', 'pro'];
+    }
+
+    /** @return list<string> */
+    public static function topupSkus(): array
+    {
+        return array_keys(self::topups());
+    }
+
+    public static function stripePriceKey(string $sku): ?string
+    {
+        $sku = self::canonicalSku($sku);
+        if (self::isSubscriptionSku($sku)) {
+            return self::plans()[$sku]['stripe_price_key'] ?? null;
+        }
+        $topup = self::topup($sku);
+        return $topup['stripe_price_key'] ?? null;
+    }
+
+    public static function monthlyAllowance(string $tier): int
+    {
+        return (int)(self::plans()[$tier]['monthly_credits'] ?? self::plans()['free']['monthly_credits']);
+    }
+
+    public static function hourlyCap(string $tier): int
+    {
+        return (int)(self::plans()[$tier]['hourly_cap'] ?? self::plans()['free']['hourly_cap']);
+    }
+
+    public static function storageQuota(string $tier): int
+    {
+        return (int)(self::plans()[$tier]['storage_bytes'] ?? 0);
+    }
+
+    public static function isPaidTier(string $tier): bool
+    {
+        return in_array($tier, ['plus', 'pro'], true);
+    }
+
+    public static function toolCost(string $tool): int
+    {
+        return self::toolCosts()[$tool] ?? 1;
+    }
+
+    public static function topupCredits(string $sku): int
+    {
+        $topup = self::topup($sku);
+        return $topup ? (int)$topup['credits'] : 0;
+    }
+
+    public static function planTrialDays(string $sku): int
+    {
+        $sku = self::canonicalSku($sku);
+        return (int)(self::plans()[$sku]['trial_days'] ?? 0);
+    }
+
+    public static function transcribeCreditsForSeconds(float $seconds): int
+    {
+        $stt = self::stt();
+        $perMinute = max(1, (int)$stt['credits_per_started_minute']);
+        $minimum = max(1, (int)$stt['minimum_credits']);
+        $minutes = max(1, (int)ceil(max(0.0, $seconds) / 60));
+        return max($minimum, $minutes * $perMinute);
+    }
+
+    public static function estimateTranscribeCreditsFromBytes(int $bytes): int
+    {
+        $stt = self::stt();
+        $bytesPerCredit = max(1, (int)$stt['reservation_bytes_per_credit']);
+        return max((int)$stt['minimum_credits'], (int)ceil(max(1, $bytes) / $bytesPerCredit));
+    }
+
+    public static function estimateTranscribeCreditsFromFile(string $filename, int $bytes): int
+    {
+        $stt = self::stt();
+        $minimum = (int)$stt['minimum_credits'];
+        $ext = strtolower(pathinfo($filename, PATHINFO_EXTENSION));
+        $bytesPerCredit = match ($ext) {
+            'wav', 'flac' => 2000000,
+            'mp3', 'm4a', 'mp4', 'aac', 'ogg', 'oga', 'webm' => (int)$stt['reservation_bytes_per_credit'],
+            default => 960000,
+        };
+        return max($minimum, (int)ceil(max(1, $bytes) / max(1, $bytesPerCredit)));
+    }
+
+    public static function formatNok(int $nok): string
+    {
+        return 'NOK ' . number_format($nok, 0, ',', ' ');
+    }
+
+    public static function formatCredits(int $credits): string
+    {
+        return number_format($credits, 0, ',', ' ');
+    }
+}
diff --git a/includes/StripeClient.php b/includes/StripeClient.php
index e5e7b42..1b71d92 100644
--- a/includes/StripeClient.php
+++ b/includes/StripeClient.php
@@ -1,16 +1,23 @@
 <?php
 declare(strict_types=1);
 
+require_once __DIR__ . '/PricingCatalog.php';
+
 /**
- * Thin Stripe API wrapper — no SDK, pure curl + HMAC.
+ * Thin Stripe API wrapper: no SDK, pure curl.
  *
  * Configuration is loaded from /etc/bnl/stripe.php (production) or env vars (local).
  * Required keys:
- *   STRIPE_SECRET_KEY        sk_live_... or sk_test_...
- *   STRIPE_PUBLISHABLE_KEY   pk_live_... or pk_test_...
- *   STRIPE_WEBHOOK_SECRET    whsec_...
- *   STRIPE_PRICE_TOPUP_S / _M / _L
- *   STRIPE_PRICE_PLUS_NOK / STRIPE_PRICE_PRO_NOK
+ *   STRIPE_SECRET_KEY
+ *   STRIPE_PUBLISHABLE_KEY
+ *   STRIPE_WEBHOOK_SECRET
+ *   STRIPE_PRICE_PLUS_NOK
+ *   STRIPE_PRICE_PRO_NOK
+ *   STRIPE_PRICE_TOPUP_100_NOK
+ *   STRIPE_PRICE_TOPUP_300_NOK
+ *   STRIPE_PRICE_TOPUP_1000_NOK
+ *
+ * Legacy STRIPE_PRICE_TOPUP_S/M/L are accepted temporarily for old config files.
  */
 final class StripeClient
 {
@@ -27,7 +34,6 @@ final class StripeClient
         }
     }
 
-    /** Load a Stripe config value from /etc/bnl/stripe.php OR env. */
     public static function config(string $key): string
     {
         static $fileConfig = null;
@@ -46,63 +52,80 @@ final class StripeClient
         return (string)($fileConfig[$key] ?? '');
     }
 
-    /** Map an internal SKU to a Stripe price ID. */
+    public static function canonicalSku(string $sku): string
+    {
+        return PricingCatalog::canonicalSku($sku);
+    }
+
+    public static function isSubscriptionSku(string $sku): bool
+    {
+        return PricingCatalog::isSubscriptionSku($sku);
+    }
+
+    public static function isTopupSku(string $sku): bool
+    {
+        return PricingCatalog::isTopupSku($sku);
+    }
+
+    /** @return list<string> */
+    public static function subscriptionSkus(): array
+    {
+        return PricingCatalog::subscriptionSkus();
+    }
+
+    /** @return list<string> */
+    public static function topupSkus(): array
+    {
+        return PricingCatalog::topupSkus();
+    }
+
     public static function priceId(string $sku): string
     {
-        static $map = null;
-        if ($map === null) {
-            $map = [
-                'topup_s'  => self::config('STRIPE_PRICE_TOPUP_S'),
-                'topup_m'  => self::config('STRIPE_PRICE_TOPUP_M'),
-                'topup_l'  => self::config('STRIPE_PRICE_TOPUP_L'),
-                'plus'     => self::config('STRIPE_PRICE_PLUS_NOK'),
-                'pro'      => self::config('STRIPE_PRICE_PRO_NOK'),
-            ];
-        }
-        $id = $map[$sku] ?? '';
+        $canonical = PricingCatalog::canonicalSku($sku);
+        $key = PricingCatalog::stripePriceKey($canonical);
+        $id = $key ? self::config($key) : '';
+
         if ($id === '') {
-            throw new InvalidArgumentException("Unknown Stripe SKU: {$sku}");
+            $legacy = [
+                'topup_100' => 'STRIPE_PRICE_TOPUP_S',
+                'topup_300' => 'STRIPE_PRICE_TOPUP_M',
+                'topup_1000' => 'STRIPE_PRICE_TOPUP_L',
+            ];
+            $legacyKey = $legacy[$canonical] ?? null;
+            $id = $legacyKey ? self::config($legacyKey) : '';
+        }
+
+        if ($id === '') {
+            throw new InvalidArgumentException("Unknown Stripe SKU or missing price ID: {$sku}");
         }
         return $id;
     }
 
-    /** Topup credit grants — must match values shown on pricing.php. */
     public static function topupCredits(string $sku): int
     {
-        return match ($sku) {
-            'topup_s' => 30,
-            'topup_m' => 100,
-            'topup_l' => 300,
-            default => 0,
-        };
+        return PricingCatalog::topupCredits($sku);
     }
 
-    /** Map a Stripe price ID back to the internal subscription tier (plus/pro). */
     public static function tierForPrice(string $priceId): ?string
     {
-        $map = [
-            'plus' => self::config('STRIPE_PRICE_PLUS_NOK'),
-            'pro'  => self::config('STRIPE_PRICE_PRO_NOK'),
-        ];
-        foreach ($map as $tier => $configuredPriceId) {
+        foreach (PricingCatalog::subscriptionSkus() as $tier) {
+            $configuredPriceId = '';
+            $key = PricingCatalog::stripePriceKey($tier);
+            if ($key !== null) {
+                $configuredPriceId = self::config($key);
+            }
             if ($configuredPriceId !== '' && hash_equals($configuredPriceId, $priceId)) {
-                return (string)$tier;
+                return $tier;
             }
         }
         return null;
     }
 
-    /**
-     * Create a Checkout Session.
-     *
-     * @param array $params Stripe parameters (flat form-encoded — see request() docs).
-     */
     public function createCheckoutSession(array $params): array
     {
         return $this->request('POST', '/checkout/sessions', $params);
     }
 
-    /** Create a Customer Portal session for self-serve subscription management. */
     public function createPortalSession(string $customerId, string $returnUrl): array
     {
         return $this->request('POST', '/billing_portal/sessions', [
@@ -111,13 +134,11 @@ final class StripeClient
         ]);
     }
 
-    /** Retrieve a subscription. */
     public function getSubscription(string $subscriptionId): array
     {
         return $this->request('GET', '/subscriptions/' . urlencode($subscriptionId));
     }
 
-    /** Find-or-create a Stripe customer for a given email. */
     public function ensureCustomer(string $email, ?int $userId = null): string
     {
         $found = $this->request('GET', '/customers', ['email' => $email, 'limit' => 1]);
@@ -132,10 +153,6 @@ final class StripeClient
         return (string)($created['id'] ?? '');
     }
 
-    /**
-     * Verify a Stripe webhook signature.
-     * Stripe-Signature header format: t=<timestamp>,v1=<signature>[,v1=<signature>...]
-     */
     public static function verifyWebhookSignature(string $payload, string $sigHeader, string $secret, int $toleranceSeconds = 300): bool
     {
         if ($secret === '' || $sigHeader === '') {
@@ -166,10 +183,6 @@ final class StripeClient
         return false;
     }
 
-    /**
-     * Low-level HTTP request to Stripe API. Returns decoded JSON or throws on error.
-     * Stripe uses form-encoded bodies even for nested params (foo[bar]=baz).
-     */
     public function request(string $method, string $path, array $params = []): array
     {
         $url = self::API_BASE . $path;
@@ -218,7 +231,6 @@ final class StripeClient
         return $decoded;
     }
 
-    /** Flatten nested arrays into Stripe's form-encoding scheme (foo[bar]=baz). */
     private static function flattenFormParams(array $params, string $prefix = ''): string
     {
         $pairs = [];
diff --git a/includes/bootstrap.php b/includes/bootstrap.php
index dffff74..6a38e14 100644
--- a/includes/bootstrap.php
+++ b/includes/bootstrap.php
@@ -332,6 +332,61 @@ function dbnToolsWithTelemetry(string $tool, string $language, callable $handler
     }
 }
 
+function dbnToolsWithChargedTelemetry(string $tool, string $language, int $creditUserId, callable $handler, ?int $credits = null, array $creditMetadata = []): void
+{
+    $start = microtime(true);
+
+    try {
+        $payload = $handler();
+        if ($creditUserId > 0) {
+            $balance = $credits === null
+                ? dbnToolsFreeTierDeduct($creditUserId, $tool)
+                : dbnToolsFreeTierDeductAmount($creditUserId, $tool, $credits, $creditMetadata);
+            if ($balance >= 0 && !headers_sent()) {
+                header('X-Credits-Remaining: ' . $balance);
+            }
+            $payload['balance'] = $balance;
+        }
+
+        $latency = (int)round((microtime(true) - $start) * 1000);
+        $payload['ok'] = $payload['ok'] ?? true;
+        $payload['latency_ms'] = $latency;
+
+        dbnToolsLogMetadata([
+            'tool' => $tool,
+            'language' => $language,
+            'ok' => true,
+            'latency_ms' => $latency,
+            'chunk_count' => (int)($payload['trace_metadata']['chunk_count'] ?? 0),
+            'source_count' => (int)($payload['trace_metadata']['source_count'] ?? 0),
+            'deployment' => $payload['trace_metadata']['deployment'] ?? null,
+        ]);
+
+        dbnToolsRespond($payload);
+    } catch (DbnToolsHttpException $e) {
+        $latency = (int)round((microtime(true) - $start) * 1000);
+        dbnToolsLogMetadata([
+            'tool' => $tool,
+            'language' => $language,
+            'ok' => false,
+            'latency_ms' => $latency,
+            'error_code' => $e->errorCode,
+        ]);
+        dbnToolsError($e->getMessage(), $e->status, $e->errorCode, $e->extra);
+    } catch (Throwable $e) {
+        $latency = (int)round((microtime(true) - $start) * 1000);
+        dbnToolsLogMetadata([
+            'tool' => $tool,
+            'language' => $language,
+            'ok' => false,
+            'latency_ms' => $latency,
+            'error_code' => 'internal_error',
+        ]);
+        error_log('DBN tools error: ' . $e->getMessage());
+        dbnToolsError('The tool could not complete this request.', 500, 'internal_error');
+    }
+}
+
 function dbnToolsAiPortalRoot(): string
 {
     $root = dbnToolsEnv('DBN_AI_PORTAL_ROOT');
@@ -516,6 +571,40 @@ function dbnToolsFreeTierCheck(string $tool): int
     return $uid;
 }
 
+function dbnToolsFreeTierCheckAmount(string $tool, int $credits): int
+{
+    if (!dbnToolsIsFreeTier()) {
+        return 0;
+    }
+
+    require_once __DIR__ . '/FreeTier.php';
+    $uid    = (int)$_SESSION['dbn_tools_sso_uid'];
+    $result = FreeTier::checkAmount($uid, $tool, max(0, $credits));
+
+    if (!$result['ok']) {
+        $isRateLimit = ($result['reason'] ?? '') === 'rate_limit';
+        $tier = (string)($result['tier'] ?? 'free');
+        $cap = FreeTier::hourlyCap($tier);
+        http_response_code($isRateLimit ? 429 : 402);
+        header('Content-Type: application/json; charset=utf-8');
+        header('Cache-Control: no-store');
+        echo json_encode([
+            'ok'      => false,
+            'error'   => ['code' => $result['reason'], 'message' => $isRateLimit
+                ? "Rate limit reached - your tier ({$tier}) allows {$cap} requests per hour."
+                : 'No credits remaining. See /pricing.php to top up or upgrade.',
+            ],
+            'balance' => $result['balance'],
+            'bonus_balance' => $result['bonus_balance'] ?? 0,
+            'tier' => $tier,
+            'cost' => $result['cost'] ?? $credits,
+        ], JSON_UNESCAPED_UNICODE);
+        exit;
+    }
+
+    return $uid;
+}
+
 /** Return the current SSO user's tier, or 'free' if not SSO / no row. */
 function dbnToolsCurrentTier(): string
 {
@@ -619,6 +708,15 @@ function dbnToolsFreeTierDeduct(int $uid, string $tool): int
     return FreeTier::deduct($uid, $tool);
 }
 
+function dbnToolsFreeTierDeductAmount(int $uid, string $tool, int $credits, array $metadata = []): int
+{
+    if ($uid === 0) {
+        return -1;
+    }
+    require_once __DIR__ . '/FreeTier.php';
+    return FreeTier::deductAmount($uid, $tool, $credits, $metadata);
+}
+
 function dbnToolsClientSlug(): string
 {
     return dbnToolsEnv('DBN_CAVEAU_CLIENT_SLUG') ?: 'dobetter';
diff --git a/includes/i18n.php b/includes/i18n.php
index 8e2f780..acb97eb 100644
--- a/includes/i18n.php
+++ b/includes/i18n.php
@@ -233,7 +233,7 @@ function dbnToolsTranslations(): array
             'nav_logout'          => 'Log out',
             'credits_available'   => 'Available credits',
             'credits_monthly'     => 'monthly',
-            'credits_bonus'       => 'bonus',
+            'credits_bonus'       => 'prepaid',
             'details_link'        => 'Details',
             'my_case'             => 'My case',
             'build_your_case'     => 'Build your own case',
@@ -678,7 +678,7 @@ function dbnToolsTranslations(): array
             'nav_logout'          => 'Logg ut',
             'credits_available'   => 'Tilgjengelige kreditter',
             'credits_monthly'     => 'månedlige',
-            'credits_bonus'       => 'bonus',
+            'credits_bonus'       => 'forhåndsbetalte',
             'details_link'        => 'Detaljer',
             'my_case'             => 'Min sak',
             'build_your_case'     => 'Bygg din egen sak',
diff --git a/index.php b/index.php
index 0974041..e33fe5b 100644
--- a/index.php
+++ b/index.php
@@ -2,6 +2,7 @@
 declare(strict_types=1);
 
 require_once __DIR__ . '/includes/bootstrap.php';
+require_once __DIR__ . '/includes/PricingCatalog.php';
 
 function dbnToolsSafeReturn(mixed $value, string $default = '/'): string
 {
@@ -257,13 +258,13 @@ window.DBN_TOOLS_LANG = <?= json_encode($uiLang, JSON_UNESCAPED_UNICODE) ?>;
             <p class="lt-pricing-strip__sub"><?= htmlspecialchars(dbnToolsT('pricing_strip_sub', $uiLang)) ?></p>
             <?php $freeName = match($uiLang) { 'no' => 'Gratis', 'uk' => 'Безкоштовно', 'pl' => 'Bezpłatnie', default => 'Free' }; ?>
             <div class="lt-pricing-strip__tiers">
-                <span class="lt-pricing-strip__tier">€0 <?= htmlspecialchars($freeName) ?></span>
+                <span class="lt-pricing-strip__tier"><?= htmlspecialchars(PricingCatalog::formatNok(0)) ?> <?= htmlspecialchars($freeName) ?></span>
                 <span class="lt-pricing-strip__sep">·</span>
-                <span class="lt-pricing-strip__tier">€9 Light</span>
+                <span class="lt-pricing-strip__tier"><?= htmlspecialchars(PricingCatalog::formatNok(149)) ?> Pluss</span>
                 <span class="lt-pricing-strip__sep">·</span>
-                <span class="lt-pricing-strip__tier lt-pricing-strip__tier--pop">€29 Pro</span>
+                <span class="lt-pricing-strip__tier lt-pricing-strip__tier--pop"><?= htmlspecialchars(PricingCatalog::formatNok(399)) ?> Pro Familie</span>
                 <span class="lt-pricing-strip__sep">·</span>
-                <span class="lt-pricing-strip__tier">€79 Pro+</span>
+                <span class="lt-pricing-strip__tier"><?= $uiLang === 'no' ? 'Organisasjon: kontakt' : 'Organisation: contact' ?></span>
             </div>
             <a href="/pricing.php<?= $uiLang !== 'en' ? '?lang=' . urlencode($uiLang) : '' ?>" class="lt-pricing-strip__cta"><?= htmlspecialchars(dbnToolsT('pricing_strip_cta', $uiLang)) ?></a>
         </div>
diff --git a/pricing.php b/pricing.php
index 61a9c21..4c6b09a 100644
--- a/pricing.php
+++ b/pricing.php
@@ -3,8 +3,10 @@ declare(strict_types=1);
 
 require_once __DIR__ . '/includes/bootstrap.php';
 require_once __DIR__ . '/includes/FreeTier.php';
+require_once __DIR__ . '/includes/PricingCatalog.php';
 
 $uiLang = dbnToolsCurrentLanguage();
+$isNorwegian = $uiLang === 'no';
 $isAuthed = dbnToolsIsAuthenticated();
 $currentTier = $isAuthed ? dbnToolsCurrentTier() : 'free';
 $surveyDone = false;
@@ -15,167 +17,114 @@ if ($isAuthed && dbnToolsIsFreeTier()) {
 $status = (string)($_GET['status'] ?? '');
 $loginUrl = 'https://dobetternorge.no/tools-login.php?return=' . urlencode('/pricing.php');
 $surveyUrl = 'https://dobetternorge.no/survey.php';
+$orgUrl = 'mailto:support@dobetternorge.no?subject=DBN%20Tools%20Organisasjon';
 
-function pt(string $key, string $lang): string {
-    return htmlspecialchars(dbnToolsT($key, $lang));
+function h(mixed $value): string
+{
+    return htmlspecialchars((string)$value, ENT_QUOTES, 'UTF-8');
 }
 
-$creditsPerMonth = $uiLang === 'no' ? 'kreditter / mnd' : ($uiLang === 'uk' ? 'кредитів / міс' : ($uiLang === 'pl' ? 'kredytów / mies' : 'credits / mo'));
-$perMonth        = $uiLang === 'no' ? '/ måned'        : ($uiLang === 'uk' ? '/ міс'           : ($uiLang === 'pl' ? '/ mies'             : '/ month'));
-$capSuffix       = $uiLang === 'no' ? '/ time'         : ($uiLang === 'uk' ? '/ год'           : ($uiLang === 'pl' ? '/ godz'             : '/ hour'));
-$freeName        = $uiLang === 'no' ? 'Gratis'         : ($uiLang === 'uk' ? 'Безкоштовно'     : ($uiLang === 'pl' ? 'Bezpłatnie'         : 'Free'));
-$unlimited       = $uiLang === 'no' ? 'Ubegrenset'     : ($uiLang === 'uk' ? 'Необмежено'      : ($uiLang === 'pl' ? 'Nieograniczone'     : 'Unlimited'));
-$noStorage       = $uiLang === 'no' ? 'Ingen saksoppbevaring' : ($uiLang === 'uk' ? 'Без сховища справ' : ($uiLang === 'pl' ? 'Brak przechowywania spraw' : 'No case storage'));
+function nok(int $amount): string
+{
+    return PricingCatalog::formatNok($amount);
+}
 
-$tiers = [
-    [
-        'sku'      => 'free',
-        'name'     => $freeName,
-        'price'    => '€0',
-        'period'   => $uiLang === 'no' ? 'alltid' : ($uiLang === 'uk' ? 'завжди' : ($uiLang === 'pl' ? 'zawsze' : 'always')),
-        'credits'  => '30 ' . $creditsPerMonth,
-        'storage'  => $noStorage,
-        'seats'    => $uiLang === 'no' ? '1 bruker' : ($uiLang === 'uk' ? '1 користувач' : ($uiLang === 'pl' ? '1 użytkownik' : '1 user')),
-        'cap'      => '10 ' . $capSuffix,
-        'features' => $uiLang === 'no' ? [
-            'Alle 13 verktøy på innlimt tekst',
-            'Norsk juridisk korpus (~220K passasjer)',
-            'EU-vert (Tyskland / Finland / Norge)',
-        ] : ($uiLang === 'uk' ? [
-            'Усі 13 інструментів на вставленому тексті',
-            'Норвезький правовий корпус (~220K уривків)',
-            'Розміщено в ЄС (Німеччина / Фінляндія / Норвегія)',
-        ] : ($uiLang === 'pl' ? [
-            'Wszystkie 13 narzędzi na wklejonym tekście',
-            'Norweski korpus prawny (~220K fragmentów)',
-            'Hostowane w UE (Niemcy / Finlandia / Norwegia)',
-        ] : [
-            'All 13 tools on pasted text',
-            'Norwegian legal corpus (~220K passages)',
-            'EU-hosted (Germany / Finland / Norway)',
-        ])),
-        'cta'       => $isAuthed ? null : dbnToolsT('pricing_cta_login', $uiLang),
-        'highlight' => false,
-    ],
-    [
-        'sku'      => 'light',
-        'name'     => 'Light',
-        'price'    => '€9',
-        'period'   => $perMonth,
-        'credits'  => '100 ' . $creditsPerMonth,
-        'storage'  => '500 MB',
-        'seats'    => $uiLang === 'no' ? '1 bruker' : ($uiLang === 'uk' ? '1 користувач' : ($uiLang === 'pl' ? '1 użytkownik' : '1 user')),
-        'cap'      => '20 ' . $capSuffix,
-        'features' => $uiLang === 'no' ? [
-            'Min Sak — last opp dokumenter med OCR',
-            'Bruk min sak som kontekst i alle verktøy',
-            'Lagrede analyser — alle resultater samlet',
-            '14 dagers gratis prøveperiode (kort kreves)',
-        ] : ($uiLang === 'uk' ? [
-            'Моя справа — завантаження документів з OCR',
-            'Використання справи як контексту в усіх інструментах',
-            'Збережені аналізи — всі результати в одному місці',
-            '14-денна безкоштовна пробна версія (потрібна картка)',
-        ] : ($uiLang === 'pl' ? [
-            'Moja sprawa — przesyłanie dokumentów z OCR',
-            'Używanie sprawy jako kontekstu w każdym narzędziu',
-            'Zapisane analizy — wszystkie wyniki w jednym miejscu',
-            '14-dniowy bezpłatny okres próbny (wymagana karta)',
-        ] : [
-            'My Case — upload documents with OCR',
-            'Use my case as context in every tool',
-            'Saved analyses — every run kept and searchable',
-            '14-day free trial (card required)',
-        ])),
-        'highlight' => false,
-        'badge'     => null,
-    ],
-    [
-        'sku'      => 'pro',
-        'name'     => 'Pro',
-        'price'    => '€29',
-        'period'   => $perMonth,
-        'credits'  => '500 ' . $creditsPerMonth,
-        'storage'  => '5 GB',
-        'seats'    => $uiLang === 'no' ? '3 brukere · delt sak' : ($uiLang === 'uk' ? '3 користувачі · спільна справа' : ($uiLang === 'pl' ? '3 użytkowników · wspólna sprawa' : '3 users · shared case')),
-        'cap'      => '40 ' . $capSuffix,
-        'features' => $uiLang === 'no' ? [
-            'Alt i Light, med mer plass og raskere modeller',
-            'Familie-sete: 3 innlogginger på samme sak',
-            'Prioritert GPT-4o for kompleks analyse',
-            'Audit-logg for hvem som kjørte hva',
-        ] : ($uiLang === 'uk' ? [
-            'Все з Light, більше місця та швидші моделі',
-            'Сімейні місця: 3 входи до однієї справи',
-            'Пріоритетний GPT-4o для складного аналізу',
-            'Журнал аудиту — хто що запускав',
-        ] : ($uiLang === 'pl' ? [
-            'Wszystko z Light, więcej miejsca i szybsze modele',
-            'Miejsca rodzinne: 3 logowania do jednej sprawy',
-            'Priorytetowy GPT-4o do złożonych analiz',
-            'Dziennik audytu — kto co uruchamiał',
-        ] : [
-            'Everything in Light, with more space and faster models',
-            'Family seats: 3 logins sharing one case',
-            'Priority GPT-4o for complex analysis',
-            'Audit log of who ran what',
-        ])),
-        'highlight' => true,
-        'badge'     => $uiLang === 'no' ? 'Mest populær' : ($uiLang === 'uk' ? 'Найпопулярніший' : ($uiLang === 'pl' ? 'Najpopularniejszy' : 'Most popular')),
-    ],
-    [
-        'sku'      => 'pro-plus',
-        'name'     => 'Pro+',
-        'price'    => '€79',
-        'period'   => $perMonth,
-        'credits'  => $unlimited,
-        'storage'  => '25 GB',
-        'seats'    => $uiLang === 'no' ? '10 brukere · delt sak' : ($uiLang === 'uk' ? '10 користувачів · спільна справа' : ($uiLang === 'pl' ? '10 użytkowników · wspólna sprawa' : '10 users · shared case')),
-        'cap'      => '80 ' . $capSuffix,
-        'features' => $uiLang === 'no' ? [
-            'Alt i Pro, ubegrenset kreditter',
-            '25 GB delt sakslagring',
-            'Dedikert prosesserings-kø (ingen ventetid)',
-            'Personlig onboarding-samtale',
-        ] : ($uiLang === 'uk' ? [
-            'Все з Pro, необмежені кредити',
-            '25 GB спільного сховища справ',
-            'Виділена черга обробки (без очікування)',
-            'Особистий вступний дзвінок',
-        ] : ($uiLang === 'pl' ? [
-            'Wszystko z Pro, nieograniczone kredyty',
-            '25 GB wspólnego przechowywania spraw',
-            'Dedykowana kolejka przetwarzania (bez czekania)',
-            'Osobista rozmowa onboardingowa',
-        ] : [
-            'Everything in Pro, unlimited credits',
-            '25 GB shared case storage',
-            'Dedicated processing queue (no waiting)',
-            'Personal onboarding call',
-        ])),
-        'highlight' => false,
-        'badge'     => $uiLang === 'no' ? 'For organisasjoner' : ($uiLang === 'uk' ? 'Для організацій' : ($uiLang === 'pl' ? 'Dla organizacji' : 'For organisations')),
-    ],
+function credits(int $amount): string
+{
+    return PricingCatalog::formatCredits($amount);
+}
+
+$copy = $isNorwegian ? [
+    'title' => 'Priser - DBN Tools',
+    'description' => 'NOK-priser, kreditter og abonnement for tools.dobetternorge.no.',
+    'eyebrow' => 'NOK-priser for DBN Tools',
+    'headline' => 'Kreditter som gir mening',
+    'subhead' => 'Månedlige kreditter brukes først. Forhåndsbetalte kreditter legges på toppen og utløper ikke.',
+    'trial' => 'Pluss har 14 dagers prøveperiode. Kort kreves, og du kan kansellere når som helst.',
+    'survey_title' => 'Få 25 ekstra kreditter',
+    'survey_text' => 'Svar på fem korte spørsmål om hvordan du bruker verktøyene.',
+    'survey_cta' => 'Ta undersøkelsen',
+    'current' => 'Din plan',
+    'choose' => 'Velg',
+    'login' => 'Logg inn for å velge',
+    'available' => 'Tilgjengelig',
+    'topups_title' => 'Ekstra kreditter',
+    'topups_lead' => 'Top-ups er engangskjøp. De utløper ikke og brukes etter månedlige kreditter.',
+    'buy' => 'Kjøp',
+    'login_buy' => 'Logg inn for å kjøpe',
+    'tool_costs' => 'Verktøykostnader',
+    'tool_costs_lead' => 'Kreditter trekkes bare når verktøyet fullfører med et gyldig resultat.',
+    'organisation' => 'Organisasjon',
+    'organisation_price' => 'Kontakt',
+    'organisation_text' => 'For rådgivere, frivillige miljøer og større familieteam som trenger flere brukere, særskilte avtaler eller onboarding.',
+    'contact' => 'Snakk med oss',
+    'billing_note' => 'Stripe brukes for kortbetaling, abonnement og kvitteringer. Lokale DBN-kreditter er fasiten for tilgang.',
+    'status_success' => 'Betalingen er bekreftet. Kontoen oppdateres når Stripe-webhooken er behandlet.',
+    'status_canceled' => 'Betalingen ble avbrutt. Ingen endringer er gjort.',
+    'connecting' => 'Kobler til Stripe...',
+    'checkout_error' => 'Kunne ikke starte betaling. Prøv igjen.',
+] : [
+    'title' => 'Pricing - DBN Tools',
+    'description' => 'NOK pricing, credits, and subscriptions for tools.dobetternorge.no.',
+    'eyebrow' => 'NOK pricing for DBN Tools',
+    'headline' => 'Credits that make sense',
+    'subhead' => 'Monthly credits are spent first. Prepaid credits sit on top and never expire.',
+    'trial' => 'Plus includes a 14-day trial. Card required, cancel anytime.',
+    'survey_title' => 'Get 25 extra credits',
+    'survey_text' => 'Answer five short questions about how you use the tools.',
+    'survey_cta' => 'Take the survey',
+    'current' => 'Current plan',
+    'choose' => 'Choose',
+    'login' => 'Log in to choose',
+    'available' => 'Available',
+    'topups_title' => 'Extra credits',
+    'topups_lead' => 'Top-ups are one-time purchases. They never expire and are spent after monthly credits.',
+    'buy' => 'Buy',
+    'login_buy' => 'Log in to buy',
+    'tool_costs' => 'Tool costs',
+    'tool_costs_lead' => 'Credits are charged only when a tool completes with a valid result.',
+    'organisation' => 'Organisation',
+    'organisation_price' => 'Contact',
+    'organisation_text' => 'For advisers, volunteer groups, and larger family teams that need more users, custom terms, or onboarding.',
+    'contact' => 'Talk to us',
+    'billing_note' => 'Stripe handles cards, subscriptions, and receipts. Local DBN credits remain authoritative for access.',
+    'status_success' => 'Payment confirmed. Your account updates when the Stripe webhook is processed.',
+    'status_canceled' => 'Payment was canceled. No changes were made.',
+    'connecting' => 'Connecting to Stripe...',
+    'checkout_error' => 'Could not start checkout. Please try again.',
 ];
 
-$topupNotes = [
-    'topup_s' => dbnToolsT('pricing_topup_s_note', $uiLang),
-    'topup_m' => dbnToolsT('pricing_topup_m_note', $uiLang),
-    'topup_l' => dbnToolsT('pricing_topup_l_note', $uiLang),
+$plans = PricingCatalog::plans();
+$topups = PricingCatalog::topups();
+$planFeaturesNo = [
+    'free' => ['30 kreditter per måned', 'Verktøy på innlimt tekst', 'Juridisk korpussøk', 'Ingen Min Sak-lagring'],
+    'plus' => ['250 kreditter per måned', '500 MB Min Sak-lagring', '1 bruker', '14 dagers prøveperiode'],
+    'pro' => ['900 kreditter per måned', '5 GB Min Sak-lagring', '3 brukere', 'Full Azure-modellrute'],
 ];
-$topups = [
-    ['sku' => 'topup_s', 'price' => 'NOK 49',  'credits' => 30,  'note' => $topupNotes['topup_s']],
-    ['sku' => 'topup_m', 'price' => 'NOK 149', 'credits' => 100, 'note' => $topupNotes['topup_m']],
-    ['sku' => 'topup_l', 'price' => 'NOK 399', 'credits' => 300, 'note' => $topupNotes['topup_l']],
+$planFeaturesEn = [
+    'free' => ['30 credits per month', 'Tools on pasted text', 'Legal corpus search', 'No My Case storage'],
+    'plus' => ['250 credits per month', '500 MB My Case storage', '1 user', '14-day trial'],
+    'pro' => ['900 credits per month', '5 GB My Case storage', '3 users', 'Full Azure model route'],
+];
+$planFeatures = $isNorwegian ? $planFeaturesNo : $planFeaturesEn;
+
+$toolCostRows = [
+    ['0', 'search, corpus-search, clarify-only gates'],
+    ['1', 'ask, extract, summarize, translate, korrespond_refine'],
+    ['2', 'timeline, redact'],
+    ['3', 'barnevernet, advocate, korrespond, legal-analysis'],
+    ['4', 'discrepancy'],
+    ['6', 'deep-research'],
+    [$isNorwegian ? 'variabel' : 'variable', $isNorwegian ? 'transcribe: 1 kreditt per startet lydminutt, minst 5' : 'transcribe: 1 credit per started audio minute, minimum 5'],
 ];
 ?>
 <!doctype html>
-<html lang="<?= htmlspecialchars($uiLang) ?>">
+<html lang="<?= h($uiLang) ?>">
 <head>
     <meta charset="utf-8">
     <meta name="viewport" content="width=device-width, initial-scale=1">
-    <title><?= pt('pricing_title_meta', $uiLang) ?></title>
-    <meta name="description" content="<?= pt('pricing_desc_meta', $uiLang) ?>">
+    <title><?= h($copy['title']) ?></title>
+    <meta name="description" content="<?= h($copy['description']) ?>">
     <link rel="canonical" href="https://tools.dobetternorge.no/pricing.php">
     <meta name="theme-color" content="#00205B">
     <link rel="preconnect" href="https://fonts.googleapis.com">
@@ -184,218 +133,232 @@ $topups = [
     <link rel="stylesheet" href="assets/css/tools.css">
     <link rel="stylesheet" href="assets/css/dbn-tools-redesign.css">
     <style>
-        .pricing-shell { max-width: 1200px; margin: 0 auto; padding: 2rem 1.5rem 4rem; }
-        .pricing-hero { text-align: center; margin-bottom: 3rem; }
-        .pricing-hero h1 { font-family: 'Crimson Pro', serif; font-size: 2.5rem; margin: 0 0 0.75rem; }
-        .pricing-hero p { color: #4b5563; font-size: 1.1rem; max-width: 640px; margin: 0 auto; }
-        .pricing-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 1.25rem; margin-bottom: 3rem; }
-        .pricing-card { background: #fff; border: 1px solid #e5e7eb; border-radius: 12px; padding: 1.75rem 1.5rem; display: flex; flex-direction: column; position: relative; }
-        .pricing-card.is-highlight { border-color: #00205B; border-width: 2px; box-shadow: 0 8px 24px rgba(0,32,91,0.08); }
-        .pricing-card .pricing-badge { position: absolute; top: -10px; right: 14px; background: #00205B; color: #fff; padding: 4px 10px; font-size: 0.72rem; border-radius: 999px; letter-spacing: 0.04em; text-transform: uppercase; font-weight: 600; }
-        .pricing-card h2 { margin: 0 0 0.25rem; font-size: 1.4rem; font-family: 'Crimson Pro', serif; }
-        .pricing-price { display: flex; align-items: baseline; gap: 0.4rem; margin: 0.5rem 0 1rem; }
-        .pricing-price .amount { font-size: 2.2rem; font-weight: 700; color: #00205B; }
-        .pricing-price .period { color: #6b7280; font-size: 0.95rem; }
-        .pricing-meta { margin: 0 0 1.25rem; padding: 0; list-style: none; font-size: 0.92rem; color: #374151; }
-        .pricing-meta li { padding: 6px 0; border-bottom: 1px dashed #f3f4f6; }
-        .pricing-meta li:last-child { border-bottom: none; }
-        .pricing-features { list-style: none; padding: 0; margin: 0 0 1.5rem; flex: 1; }
-        .pricing-features li { padding: 5px 0 5px 1.4rem; position: relative; font-size: 0.92rem; color: #1f2937; }
-        .pricing-features li::before { content: "✓"; position: absolute; left: 0; color: #059669; font-weight: 700; }
-        .pricing-cta { display: block; text-align: center; padding: 0.75rem 1rem; border-radius: 8px; font-weight: 600; text-decoration: none; transition: all 0.15s; cursor: pointer; border: none; font-size: 0.95rem; }
-        .pricing-cta.primary { background: #00205B; color: #fff; }
-        .pricing-cta.primary:hover { background: #001740; }
-        .pricing-cta.secondary { background: #f3f4f6; color: #1f2937; }
-        .pricing-cta.secondary:hover { background: #e5e7eb; }
-        .pricing-cta.current { background: #d1fae5; color: #065f46; cursor: default; }
-        .pricing-topups { margin-top: 2rem; padding: 2rem 1.5rem; background: #f9fafb; border-radius: 12px; }
-        .pricing-topups h2 { font-family: 'Crimson Pro', serif; margin: 0 0 0.5rem; font-size: 1.6rem; }
-        .pricing-topups p.lead { color: #6b7280; margin: 0 0 1.5rem; }
-        .topup-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 1rem; }
-        .topup-card { background: #fff; border: 1px solid #e5e7eb; border-radius: 10px; padding: 1.25rem; text-align: center; }
-        .topup-card .price { font-size: 1.6rem; font-weight: 700; color: #00205B; }
-        .topup-card .credits { color: #374151; font-size: 0.95rem; margin: 0.25rem 0 0.5rem; }
-        .topup-card .note { color: #6b7280; font-size: 0.82rem; margin-bottom: 0.75rem; }
-        .survey-banner { background: linear-gradient(135deg, #00205B, #003478); color: #fff; padding: 1.75rem 1.5rem; border-radius: 12px; margin-bottom: 2rem; display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 1rem; }
-        .survey-banner .copy { flex: 1; min-width: 260px; }
-        .survey-banner h3 { margin: 0 0 0.35rem; font-size: 1.3rem; font-family: 'Crimson Pro', serif; }
-        .survey-banner p { margin: 0; opacity: 0.9; font-size: 0.95rem; }
-        .survey-banner a { background: #ffd166; color: #00205B; padding: 0.7rem 1.4rem; border-radius: 8px; font-weight: 700; text-decoration: none; white-space: nowrap; }
-        .pricing-faq { margin-top: 3rem; }
-        .pricing-faq details { background: #fff; border: 1px solid #e5e7eb; border-radius: 8px; padding: 1rem 1.25rem; margin-bottom: 0.6rem; }
-        .pricing-faq summary { font-weight: 600; cursor: pointer; }
-        .pricing-faq p { color: #4b5563; margin: 0.75rem 0 0; font-size: 0.92rem; }
-        .status-pill-info { display: inline-block; margin-bottom: 1.5rem; padding: 6px 12px; background: #fef3c7; color: #92400e; border-radius: 6px; font-size: 0.9rem; }
-        .status-pill-success { background: #d1fae5; color: #065f46; }
-        .status-pill-error { background: #fee2e2; color: #991b1b; }
-        .lang-bar { text-align: right; margin-bottom: 1rem; font-size: 0.85rem; }
-        .lang-bar a { margin-left: 0.5rem; color: #6b7280; text-decoration: none; padding: 2px 6px; border-radius: 4px; }
-        .lang-bar a.is-active { background: #00205B; color: #fff; }
+        :root { --dbn-navy:#00205B; --dbn-red:#BA0C2F; --dbn-ink:#111827; --dbn-muted:#5b6472; --dbn-line:#d9dee8; --dbn-soft:#f7f9fc; --dbn-green:#0f766e; }
+        body { margin:0; background:#fbfcfe; color:var(--dbn-ink); font-family:'IBM Plex Sans', system-ui, sans-serif; }
+        .pricing-shell { max-width:1180px; margin:0 auto; padding:28px 20px 64px; }
+        .lang-bar { display:flex; justify-content:flex-end; gap:8px; font-size:0.86rem; margin-bottom:18px; }
+        .lang-bar a { color:var(--dbn-muted); text-decoration:none; padding:4px 8px; border-radius:6px; }
+        .lang-bar a.is-active { background:var(--dbn-navy); color:#fff; }
+        .pricing-hero { display:grid; grid-template-columns:minmax(0, 1.2fr) minmax(280px, .8fr); gap:28px; align-items:end; padding:28px 0 34px; border-bottom:1px solid var(--dbn-line); }
+        .eyebrow { margin:0 0 8px; color:var(--dbn-red); font-size:.82rem; font-weight:700; text-transform:uppercase; letter-spacing:.08em; }
+        h1 { margin:0; font-family:'Crimson Pro', serif; font-size:clamp(2.2rem, 4vw, 4rem); line-height:1; letter-spacing:0; }
+        .hero-copy { margin:14px 0 0; color:var(--dbn-muted); font-size:1.05rem; max-width:680px; }
+        .hero-note { background:#fff; border:1px solid var(--dbn-line); border-left:5px solid var(--dbn-red); border-radius:8px; padding:18px 18px; color:#263244; }
+        .status-pill { display:inline-flex; margin:22px 0 0; padding:9px 13px; border-radius:8px; font-size:.92rem; background:#fff7ed; color:#9a3412; border:1px solid #fed7aa; }
+        .status-pill.success { background:#ecfdf5; color:#065f46; border-color:#a7f3d0; }
+        .survey-banner { margin:26px 0 0; display:flex; align-items:center; justify-content:space-between; gap:16px; background:var(--dbn-navy); color:#fff; border-radius:8px; padding:18px 20px; }
+        .survey-banner h2 { margin:0 0 4px; font-size:1.1rem; }
+        .survey-banner p { margin:0; color:rgba(255,255,255,.82); }
+        .btn, .pricing-cta { border:0; display:inline-flex; align-items:center; justify-content:center; min-height:42px; padding:0 15px; border-radius:8px; font-weight:700; text-decoration:none; cursor:pointer; line-height:1.1; }
+        .btn-primary { background:var(--dbn-navy); color:#fff; }
+        .btn-primary:hover { background:#001740; }
+        .btn-light { background:#fff; color:var(--dbn-navy); }
+        .btn-muted { background:#edf1f7; color:#263244; }
+        .btn-current { background:#dcfce7; color:#166534; cursor:default; }
+        .plans-grid { display:grid; grid-template-columns:repeat(4, minmax(0,1fr)); gap:16px; margin:28px 0; }
+        .plan-card, .topup-card, .cost-panel { background:#fff; border:1px solid var(--dbn-line); border-radius:8px; padding:20px; }
+        .plan-card { display:flex; flex-direction:column; min-height:390px; position:relative; }
+        .plan-card.highlight { border-color:var(--dbn-navy); box-shadow:0 10px 30px rgba(0,32,91,.10); }
+        .plan-badge { position:absolute; top:14px; right:14px; background:#e8eef8; color:var(--dbn-navy); border-radius:999px; padding:4px 9px; font-size:.74rem; font-weight:800; }
+        .plan-name { margin:0; font-size:1.35rem; font-family:'Crimson Pro', serif; }
+        .plan-price { margin:16px 0 4px; display:flex; align-items:baseline; gap:6px; }
+        .plan-price strong { font-size:2rem; color:var(--dbn-navy); }
+        .plan-meta { margin:0 0 16px; color:var(--dbn-muted); font-size:.92rem; }
+        .plan-list { margin:0 0 22px; padding:0; list-style:none; flex:1; }
+        .plan-list li { padding:8px 0; border-bottom:1px dashed #eef1f6; font-size:.94rem; }
+        .fine-print { margin:10px 0 0; color:var(--dbn-muted); font-size:.84rem; }
+        .section-head { display:flex; align-items:flex-end; justify-content:space-between; gap:16px; margin:34px 0 14px; }
+        .section-head h2 { margin:0; font-family:'Crimson Pro', serif; font-size:1.9rem; }
+        .section-head p { margin:0; color:var(--dbn-muted); max-width:640px; }
+        .topup-grid { display:grid; grid-template-columns:repeat(3, minmax(0,1fr)); gap:16px; }
+        .topup-card { display:grid; gap:10px; }
+        .topup-price { color:var(--dbn-navy); font-size:1.8rem; font-weight:800; }
+        .topup-credits { font-weight:700; }
+        .topup-rate { color:var(--dbn-muted); font-size:.9rem; }
+        .cost-panel { margin-top:16px; overflow:auto; }
+        .cost-table { width:100%; border-collapse:collapse; min-width:620px; }
+        .cost-table th, .cost-table td { text-align:left; padding:11px 10px; border-bottom:1px solid #edf1f7; }
+        .cost-table th { color:var(--dbn-muted); font-size:.84rem; text-transform:uppercase; letter-spacing:.06em; }
+        .billing-note { margin-top:18px; color:var(--dbn-muted); font-size:.92rem; }
+        @media (max-width:980px) { .pricing-hero { grid-template-columns:1fr; } .plans-grid { grid-template-columns:repeat(2, minmax(0,1fr)); } }
+        @media (max-width:680px) { .pricing-shell { padding-inline:14px; } .plans-grid, .topup-grid { grid-template-columns:1fr; } .survey-banner, .section-head { align-items:flex-start; flex-direction:column; } .plan-card { min-height:0; } }
     </style>
 </head>
 <body>
 <main class="pricing-shell">
-    <div class="lang-bar">
-        <?php foreach (['no', 'en', 'uk', 'pl'] as $lc): ?>
-            <a href="?lang=<?= $lc ?>" class="<?= $lc === $uiLang ? 'is-active' : '' ?>"><?= htmlspecialchars(dbnToolsLanguageLabel($lc)) ?></a>
+    <nav class="lang-bar" aria-label="Language">
+        <?php foreach (['no', 'en'] as $lc): ?>
+            <a href="?lang=<?= h($lc) ?>" class="<?= $lc === $uiLang ? 'is-active' : '' ?>"><?= h(dbnToolsLanguageLabel($lc)) ?></a>
         <?php endforeach; ?>
-    </div>
+    </nav>
 
     <header class="pricing-hero">
-        <p style="margin:0 0 0.5rem; text-transform:uppercase; letter-spacing:0.08em; color:#6b7280; font-size:0.85rem;"><?= pt('pricing_eyebrow', $uiLang) ?></p>
-        <h1><?= pt('pricing_hero_title', $uiLang) ?></h1>
-        <p><?= pt('pricing_hero_sub', $uiLang) ?></p>
+        <div>
+            <p class="eyebrow"><?= h($copy['eyebrow']) ?></p>
+            <h1><?= h($copy['headline']) ?></h1>
+            <p class="hero-copy"><?= h($copy['subhead']) ?></p>
+        </div>
+        <aside class="hero-note">
+            <?= h($copy['trial']) ?>
+        </aside>
     </header>
 
     <?php if ($status === 'success'): ?>
-        <p class="status-pill-info status-pill-success"><?= pt('pricing_status_success', $uiLang) ?></p>
+        <p class="status-pill success"><?= h($copy['status_success']) ?></p>
     <?php elseif ($status === 'canceled'): ?>
-        <p class="status-pill-info"><?= pt('pricing_status_canceled', $uiLang) ?></p>
+        <p class="status-pill"><?= h($copy['status_canceled']) ?></p>
     <?php endif; ?>
 
-    <div style="background:linear-gradient(135deg,#fef3c7,#fcd34d);color:#78350f;padding:1rem 1.5rem;border-radius:10px;margin-bottom:2rem;text-align:center;font-weight:600;">
-        <?= match($uiLang) {
-            'no' => '🎉 Prøv Light gratis i 14 dager — kort kreves, kanseller når som helst, ingen belastning før dag 15.',
-            'uk' => '🎉 Спробуйте Light безкоштовно 14 днів — потрібна картка, скасуйте будь-коли, списання лише з 15 дня.',
-            'pl' => '🎉 Wypróbuj Light za darmo przez 14 dni — wymagana karta, anuluj w dowolnym momencie, brak opłat przed 15 dniem.',
-            default => '🎉 Try Light free for 14 days — card required, cancel anytime, no charge until day 15.',
-        } ?>
-    </div>
-
     <?php if ($isAuthed && !$surveyDone): ?>
-    <div class="survey-banner">
-        <div class="copy">
-            <h3><?= pt('pricing_survey_title', $uiLang) ?></h3>
-            <p><?= pt('pricing_survey_text', $uiLang) ?></p>
-        </div>
-        <a href="<?= htmlspecialchars($surveyUrl) ?>"><?= pt('pricing_survey_cta', $uiLang) ?></a>
-    </div>
+        <section class="survey-banner">
+            <div>
+                <h2><?= h($copy['survey_title']) ?></h2>
+                <p><?= h($copy['survey_text']) ?></p>
+            </div>
+            <a class="btn btn-light" href="<?= h($surveyUrl) ?>"><?= h($copy['survey_cta']) ?></a>
+        </section>
     <?php endif; ?>
 
-    <section class="pricing-grid" aria-label="<?= pt('pricing_faq_title', $uiLang) ?>">
-        <?php foreach ($tiers as $tier): ?>
-        <article class="pricing-card<?= !empty($tier['highlight']) ? ' is-highlight' : '' ?>">
-            <?php if (!empty($tier['badge'])): ?>
-                <span class="pricing-badge"><?= htmlspecialchars($tier['badge']) ?></span>
-            <?php endif; ?>
-            <h2><?= htmlspecialchars($tier['name']) ?></h2>
-            <div class="pricing-price">
-                <span class="amount"><?= htmlspecialchars($tier['price']) ?></span>
-                <span class="period"><?= htmlspecialchars($tier['period']) ?></span>
-            </div>
-            <ul class="pricing-meta">
-                <li><?= htmlspecialchars($tier['credits']) ?></li>
-                <li><?= htmlspecialchars($tier['storage']) ?></li>
-                <li><?= htmlspecialchars($tier['seats']) ?></li>
-                <li><?= htmlspecialchars($tier['cap']) ?></li>
-            </ul>
-            <ul class="pricing-features">
-                <?php foreach ($tier['features'] as $feature): ?>
-                    <li><?= htmlspecialchars($feature) ?></li>
-                <?php endforeach; ?>
-            </ul>
-            <?php if ($tier['sku'] === 'free'): ?>
-                <?php if (!$isAuthed): ?>
-                    <a class="pricing-cta primary" href="<?= htmlspecialchars($loginUrl) ?>"><?= htmlspecialchars($tier['cta'] ?? dbnToolsT('pricing_cta_login', $uiLang)) ?></a>
-                <?php elseif ($currentTier === 'free'): ?>
-                    <span class="pricing-cta current"><?= pt('pricing_cta_current', $uiLang) ?></span>
+    <section class="plans-grid" aria-label="Plans">
+        <?php foreach (['free', 'plus', 'pro'] as $sku): ?>
+            <?php $plan = $plans[$sku]; ?>
+            <article class="plan-card<?= $sku === 'pro' ? ' highlight' : '' ?>">
+                <?php if ($sku === 'pro'): ?><span class="plan-badge">Pro</span><?php endif; ?>
+                <h2 class="plan-name"><?= h($plan['name']) ?></h2>
+                <p class="plan-price">
+                    <strong><?= h(nok((int)$plan['price_nok'])) ?></strong>
+                    <span><?= $sku === 'free' ? '' : ($isNorwegian ? '/ mnd' : '/ mo') ?></span>
+                </p>
+                <p class="plan-meta">
+                    <?php if ($sku === 'free'): ?>
+                        <?= $isNorwegian ? 'Startnivå' : 'Starter tier' ?>
+                    <?php else: ?>
+                        <?= h(sprintf('%.2f', (float)$plan['effective_credit_cost'])) ?> kr / <?= $isNorwegian ? 'kreditt' : 'credit' ?>
+                    <?php endif; ?>
+                </p>
+                <ul class="plan-list">
+                    <?php foreach ($planFeatures[$sku] as $feature): ?>
+                        <li><?= h($feature) ?></li>
+                    <?php endforeach; ?>
+                    <li><?= (int)$plan['hourly_cap'] ?> <?= $isNorwegian ? 'betalte kjøringer per time' : 'paid runs per hour' ?></li>
+                </ul>
+                <?php if ($sku === 'free'): ?>
+                    <?php if (!$isAuthed): ?>
+                        <a class="pricing-cta btn-primary" href="<?= h($loginUrl) ?>"><?= h($copy['login']) ?></a>
+                    <?php elseif ($currentTier === 'free'): ?>
+                        <span class="pricing-cta btn-current"><?= h($copy['current']) ?></span>
+                    <?php else: ?>
+                        <span class="pricing-cta btn-muted"><?= h($copy['available']) ?></span>
+                    <?php endif; ?>
                 <?php else: ?>
-                    <span class="pricing-cta secondary"><?= pt('pricing_cta_available', $uiLang) ?></span>
+                    <?php if (!$isAuthed): ?>
+                        <a class="pricing-cta btn-primary" href="<?= h($loginUrl) ?>"><?= h($copy['login']) ?></a>
+                    <?php elseif ($currentTier === $sku): ?>
+                        <span class="pricing-cta btn-current"><?= h($copy['current']) ?></span>
+                    <?php else: ?>
+                        <button type="button" class="pricing-cta btn-primary" data-sku="<?= h($sku) ?>"><?= h($copy['choose'] . ' ' . $plan['name']) ?></button>
+                    <?php endif; ?>
                 <?php endif; ?>
-            <?php else: ?>
-                <?php if (!$isAuthed): ?>
-                    <a class="pricing-cta primary" href="<?= htmlspecialchars($loginUrl) ?>"><?= pt('pricing_cta_subscribe', $uiLang) ?></a>
-                <?php elseif ($currentTier === $tier['sku']): ?>
-                    <span class="pricing-cta current"><?= pt('pricing_cta_current', $uiLang) ?></span>
-                <?php else: ?>
-                    <button type="button" class="pricing-cta primary" data-sku="<?= htmlspecialchars($tier['sku']) ?>" data-checkout="subscription">
-                        <?= pt('pricing_cta_choose', $uiLang) ?> <?= htmlspecialchars($tier['name']) ?>
-                    </button>
-                <?php endif; ?>
-            <?php endif; ?>
-        </article>
+            </article>
         <?php endforeach; ?>
+
+        <article class="plan-card">
+            <span class="plan-badge"><?= h($copy['organisation']) ?></span>
+            <h2 class="plan-name"><?= h($copy['organisation']) ?></h2>
+            <p class="plan-price"><strong><?= h($copy['organisation_price']) ?></strong></p>
+            <p class="plan-meta"><?= $isNorwegian ? 'Tilpasset avtale' : 'Custom terms' ?></p>
+            <ul class="plan-list">
+                <li><?= $isNorwegian ? 'Flere brukere' : 'More users' ?></li>
+                <li><?= $isNorwegian ? 'Tilpassede kreditter' : 'Custom credits' ?></li>
+                <li><?= $isNorwegian ? 'Onboarding og støtte' : 'Onboarding and support' ?></li>
+                <li><?= $isNorwegian ? 'Avtales direkte' : 'Agreed directly' ?></li>
+            </ul>
+            <a class="pricing-cta btn-muted" href="<?= h($orgUrl) ?>"><?= h($copy['contact']) ?></a>
+            <p class="fine-print"><?= h($copy['organisation_text']) ?></p>
+        </article>
     </section>
 
-    <section class="pricing-topups" aria-label="<?= pt('pricing_topup_title', $uiLang) ?>">
-        <h2><?= pt('pricing_topup_title', $uiLang) ?></h2>
-        <p class="lead"><?= pt('pricing_topup_lead', $uiLang) ?></p>
-        <div class="topup-grid">
-        <?php foreach ($topups as $topup): ?>
-            <div class="topup-card">
-                <div class="price"><?= htmlspecialchars($topup['price']) ?></div>
-                <div class="credits"><?= (int)$topup['credits'] ?> <?= pt('pricing_credits_label', $uiLang) ?></div>
-                <div class="note"><?= htmlspecialchars($topup['note']) ?></div>
-                <?php if ($isAuthed): ?>
-                    <button type="button" class="pricing-cta primary" data-sku="<?= htmlspecialchars($topup['sku']) ?>" data-checkout="topup"><?= pt('pricing_topup_buy', $uiLang) ?></button>
-                <?php else: ?>
-                    <a class="pricing-cta primary" href="<?= htmlspecialchars($loginUrl) ?>"><?= pt('pricing_login_first', $uiLang) ?></a>
-                <?php endif; ?>
+    <section>
+        <div class="section-head">
+            <div>
+                <h2><?= h($copy['topups_title']) ?></h2>
+                <p><?= h($copy['topups_lead']) ?></p>
             </div>
-        <?php endforeach; ?>
+        </div>
+        <div class="topup-grid">
+            <?php foreach ($topups as $topup): ?>
+                <article class="topup-card">
+                    <h3 class="plan-name"><?= h($topup['name']) ?></h3>
+                    <div class="topup-price"><?= h(nok((int)$topup['price_nok'])) ?></div>
+                    <div class="topup-credits"><?= h(credits((int)$topup['credits'])) ?> <?= $isNorwegian ? 'kreditter' : 'credits' ?></div>
+                    <div class="topup-rate"><?= h(sprintf('%.2f', (float)$topup['cost_per_credit'])) ?> kr / <?= $isNorwegian ? 'kreditt' : 'credit' ?></div>
+                    <?php if ($isAuthed): ?>
+                        <button type="button" class="pricing-cta btn-primary" data-sku="<?= h($topup['sku']) ?>"><?= h($copy['buy']) ?></button>
+                    <?php else: ?>
+                        <a class="pricing-cta btn-primary" href="<?= h($loginUrl) ?>"><?= h($copy['login_buy']) ?></a>
+                    <?php endif; ?>
+                </article>
+            <?php endforeach; ?>
         </div>
     </section>
 
-    <section class="pricing-faq" aria-label="<?= pt('pricing_faq_title', $uiLang) ?>">
-        <h2 style="font-family:'Crimson Pro', serif; margin-bottom:1rem;"><?= pt('pricing_faq_title', $uiLang) ?></h2>
-        <details>
-            <summary><?= pt('pricing_faq1_q', $uiLang) ?></summary>
-            <p><?= pt('pricing_faq1_a', $uiLang) ?></p>
-        </details>
-        <details>
-            <summary><?= pt('pricing_faq2_q', $uiLang) ?></summary>
-            <p><?= pt('pricing_faq2_a', $uiLang) ?></p>
-        </details>
-        <details>
-            <summary><?= pt('pricing_faq3_q', $uiLang) ?></summary>
-            <p><?= pt('pricing_faq3_a', $uiLang) ?></p>
-        </details>
-        <details>
-            <summary><?= pt('pricing_faq4_q', $uiLang) ?></summary>
-            <p><?= pt('pricing_faq4_a', $uiLang) ?></p>
-        </details>
-        <details>
-            <summary><?= pt('pricing_faq5_q', $uiLang) ?></summary>
-            <p><?= pt('pricing_faq5_a', $uiLang) ?></p>
-        </details>
-        <details>
-            <summary><?= pt('pricing_faq6_q', $uiLang) ?></summary>
-            <p><?= pt('pricing_faq6_a', $uiLang) ?></p>
-        </details>
+    <section>
+        <div class="section-head">
+            <div>
+                <h2><?= h($copy['tool_costs']) ?></h2>
+                <p><?= h($copy['tool_costs_lead']) ?></p>
+            </div>
+        </div>
+        <div class="cost-panel">
+            <table class="cost-table">
+                <thead>
+                    <tr>
+                        <th><?= $isNorwegian ? 'Kostnad' : 'Cost' ?></th>
+                        <th><?= $isNorwegian ? 'Verktøy' : 'Tools' ?></th>
+                    </tr>
+                </thead>
+                <tbody>
+                <?php foreach ($toolCostRows as $row): ?>
+                    <tr>
+                        <td><?= h($row[0]) ?></td>
+                        <td><?= h($row[1]) ?></td>
+                    </tr>
+                <?php endforeach; ?>
+                </tbody>
+            </table>
+        </div>
+        <p class="billing-note"><?= h($copy['billing_note']) ?></p>
     </section>
 </main>
 
 <script>
 (function() {
-    const connecting = <?= json_encode(dbnToolsT('pricing_connecting', $uiLang)) ?>;
-    const errorRetry = <?= json_encode(dbnToolsT('pricing_error_retry', $uiLang)) ?>;
-    const errorMsg   = <?= json_encode(dbnToolsT('pricing_error_checkout', $uiLang)) ?>;
-
-    const buttons = document.querySelectorAll('button[data-checkout]');
-    buttons.forEach(btn => {
-        btn.addEventListener('click', async () => {
-            const sku = btn.getAttribute('data-sku');
-            btn.disabled = true;
-            const original = btn.textContent;
-            btn.textContent = connecting;
+    const connecting = <?= json_encode($copy['connecting'], JSON_UNESCAPED_UNICODE) ?>;
+    const checkoutError = <?= json_encode($copy['checkout_error'], JSON_UNESCAPED_UNICODE) ?>;
+    document.querySelectorAll('button[data-sku]').forEach((button) => {
+        button.addEventListener('click', async () => {
+            const sku = button.getAttribute('data-sku');
+            const original = button.textContent;
+            button.disabled = true;
+            button.textContent = connecting;
             try {
-                const res = await fetch('/api/stripe-checkout.php', {
+                const response = await fetch('/api/stripe-checkout.php', {
                     method: 'POST',
                     headers: { 'Content-Type': 'application/json' },
+                    credentials: 'same-origin',
                     body: JSON.stringify({ sku })
                 });
-                const data = await res.json();
+                const data = await response.json();
                 if (data.ok && data.url) {
                     window.location.href = data.url;
-                } else {
-                    btn.textContent = errorRetry;
-                    alert(data.error?.message || errorMsg);
+                    return;
                 }
-            } catch (e) {
-                btn.textContent = original;
-                alert(e.message);
+                alert(data.error?.message || checkoutError);
+            } catch (error) {
+                alert(error.message || checkoutError);
             } finally {
-                setTimeout(() => { btn.disabled = false; btn.textContent = original; }, 1500);
+                button.disabled = false;
+                button.textContent = original;
             }
         });
     });
diff --git a/scripts/sql/003_pricing_credit_catalog.sql b/scripts/sql/003_pricing_credit_catalog.sql
new file mode 100644
index 0000000..660d946
--- /dev/null
+++ b/scripts/sql/003_pricing_credit_catalog.sql
@@ -0,0 +1,44 @@
+-- Migration 003: DBN Tools NOK pricing catalog support
+-- Run against dobetternorge_maindb:
+--   mysql -u root dobetternorge_maindb < scripts/sql/003_pricing_credit_catalog.sql
+--
+-- Existing user_tool_credits columns are preserved:
+--   balance       = monthly credits
+--   bonus_balance = prepaid/top-up credits
+
+START TRANSACTION;
+
+CREATE TABLE IF NOT EXISTS user_tool_credit_ledger (
+  id              BIGINT UNSIGNED NOT NULL AUTO_INCREMENT,
+  user_id         INT UNSIGNED    NOT NULL,
+  event_type      VARCHAR(40)     NOT NULL,
+  source          VARCHAR(100)    NOT NULL,
+  credits_delta   INT             NOT NULL,
+  metadata_json   JSON            NULL,
+  created_at      DATETIME        NOT NULL DEFAULT CURRENT_TIMESTAMP,
+  PRIMARY KEY (id),
+  KEY idx_user_created (user_id, created_at DESC),
+  KEY idx_event_type (event_type, created_at DESC)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci
+  COMMENT='Auditable DBN Tools credit grants, charges, and subscription refills';
+
+CREATE TABLE IF NOT EXISTS user_tool_credit_reservations (
+  id                 BIGINT UNSIGNED NOT NULL AUTO_INCREMENT,
+  user_id            INT UNSIGNED    NOT NULL,
+  tool               VARCHAR(40)     NOT NULL,
+  reserved_credits   INT UNSIGNED    NOT NULL,
+  settled_credits    INT UNSIGNED    NULL,
+  status             ENUM('reserved','settled','released','expired') NOT NULL DEFAULT 'reserved',
+  provider           VARCHAR(40)     NULL,
+  duration_seconds   DECIMAL(10,2)   NULL,
+  metadata_json      JSON            NULL,
+  created_at         DATETIME        NOT NULL DEFAULT CURRENT_TIMESTAMP,
+  settled_at         DATETIME        NULL,
+  expires_at         DATETIME        NOT NULL,
+  PRIMARY KEY (id),
+  KEY idx_user_status (user_id, status, created_at DESC),
+  KEY idx_expires (status, expires_at)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci
+  COMMENT='STT reservation audit trail; v1 gates by estimate and settles on success';
+
+COMMIT;