diff --git a/server.js b/server.js
index 47f7130..082e2e9 100644
--- a/server.js
+++ b/server.js
@@ -11,7 +11,7 @@ const express = require('express');
 const session = require('express-session');
 const path = require('path');
 const { authenticate, requireAuth, requireRole, createAgente, createUser } = require('./src/auth');
-const { fetchTransacoes, fetchAllTransacoes, serialize, fetchDailyStats, fetchKPIs, fetchTrend30Days, fetchTopAgentes, fetchTrendByPeriod, fetchKPIsByPeriod, fetchBIData, fetchRevenueAnalytics, fetchClientList, fetchClientProfile, fetchClientData } = require('./src/queries');
+const { fetchTransacoes, fetchAllTransacoes, serialize, fetchDailyStats, fetchKPIs, fetchTrend30Days, fetchTopAgentes, fetchTrendByPeriod, fetchKPIsByPeriod, fetchBIData, fetchRevenueAnalytics, fetchBIStrategic, fetchClientList, fetchClientProfile, fetchClientData } = require('./src/queries');
 const { buildHTML } = require('./src/dashboard');
 const { buildAdminHTML } = require('./src/admin-panel');
 const { buildAdminHomeHTML } = require('./src/admin-home');
@@ -370,6 +370,18 @@ app.get('/admin/api/bi/revenue', requireRole('admin'), async (req, res) => {
   }
 });
 
+app.get('/admin/api/bi/strategic', requireRole('admin'), async (req, res) => {
+  try {
+    const { start, end } = req.query;
+    if (!start || !end) return res.status(400).json({ error: 'start and end required' });
+    const data = await fetchBIStrategic(start, end);
+    res.json(data);
+  } catch (err) {
+    console.error('Strategic BI API error:', err);
+    res.status(500).json({ error: err.message });
+  }
+});
+
 // --- Admin Cliente Dashboard (admin only) ---
 app.get('/admin/cliente', requireRole('admin'), (req, res) => {
   try {
diff --git a/src/admin-bi.js b/src/admin-bi.js
index 71ff7e6..3d02d89 100644
--- a/src/admin-bi.js
+++ b/src/admin-bi.js
@@ -17,8 +17,19 @@ function buildAdminBIHTML(user) {
   /* Smooth scroll for anchor navigation */
   html { scroll-behavior: smooth; scroll-padding-top: 20px; }
 
-  /* === TRADING CONSOLE: Permanent dark terminal theme === */
+  /* === TRADING CONSOLE: Light Mode (professional clean) === */
   body.trading-console {
+    --tc-accent: #1E8E3E;
+    --tc-accent-bg: rgba(30,142,62,0.08);
+    --tc-accent-border: rgba(30,142,62,0.15);
+    --tc-glass: rgba(255,255,255,0.85);
+    --tc-grid: rgba(0,0,0,0.06);
+    background: var(--bg);
+    color: var(--text);
+  }
+
+  /* === TRADING CONSOLE: Dark Mode (Bloomberg terminal) === */
+  [data-theme="dark"] body.trading-console {
     --bg: #0D1117;
     --card: #131A24;
     --text: #E2E8F0;
@@ -37,175 +48,257 @@ function buildAdminBIHTML(user) {
     --purple-bg: rgba(188,140,255,0.08);
     --admin-accent: #00FF88;
     --admin-bg: rgba(0,255,136,0.05);
+    --tc-accent: #00FF88;
+    --tc-accent-bg: rgba(0,255,136,0.08);
+    --tc-accent-border: rgba(0,255,136,0.15);
+    --tc-glass: rgba(15,25,35,0.92);
+    --tc-grid: rgba(0,255,136,0.06);
     background: #0A0F18 !important;
     color: var(--text);
     color-scheme: dark;
   }
 
-  /* Console Cards */
+  /* Console Cards - Light */
   body.trading-console .hero-card,
   body.trading-console .chart-card,
   body.trading-console .metric-card,
   body.trading-console .filter-bar {
+    background: var(--card);
+    border: 1px solid var(--border);
+    box-shadow: 0 2px 8px rgba(0,0,0,0.06);
+  }
+  /* Console Cards - Dark */
+  [data-theme="dark"] body.trading-console .hero-card,
+  [data-theme="dark"] body.trading-console .chart-card,
+  [data-theme="dark"] body.trading-console .metric-card,
+  [data-theme="dark"] body.trading-console .filter-bar {
     background: rgba(255,255,255,0.03);
     border: 1px solid rgba(0,255,136,0.1);
     box-shadow: 0 2px 12px rgba(0,0,0,0.3), inset 0 1px 0 rgba(0,255,136,0.05);
   }
 
-  /* Console Values - monospace terminal font */
+  /* Console Values - Light: clean professional */
   body.trading-console .hero-value {
+    font-variant-numeric: tabular-nums;
+  }
+  /* Console Values - Dark: monospace terminal */
+  [data-theme="dark"] body.trading-console .hero-value {
     font-family: 'SF Mono', 'Fira Code', 'Consolas', monospace;
     text-shadow: 0 0 8px rgba(226,232,240,0.15);
   }
 
-  /* Console Section Titles */
+  /* Console Section Titles - Light */
   body.trading-console .section-title {
+    color: var(--text-secondary);
+    letter-spacing: 1px;
+  }
+  body.trading-console .section-title .icon {
+    background: var(--tc-accent-bg) !important;
+    color: var(--tc-accent) !important;
+  }
+  /* Console Section Titles - Dark */
+  [data-theme="dark"] body.trading-console .section-title {
     color: rgba(0,255,136,0.7);
     font-family: 'SF Mono', 'Fira Code', 'Consolas', monospace;
     letter-spacing: 2px;
   }
-  body.trading-console .section-title .icon {
+  [data-theme="dark"] body.trading-console .section-title .icon {
     background: rgba(0,255,136,0.08) !important;
     color: #00FF88 !important;
   }
 
-  /* Console Tables */
+  /* Console Tables - Light */
   body.trading-console .data-table th {
+    background: var(--bg);
+    color: var(--text-muted);
+  }
+  /* Console Tables - Dark */
+  [data-theme="dark"] body.trading-console .data-table th {
     background: rgba(0,255,136,0.03);
     color: rgba(0,255,136,0.6);
     font-family: 'SF Mono', 'Fira Code', 'Consolas', monospace;
   }
-  body.trading-console .data-table td {
+  [data-theme="dark"] body.trading-console .data-table td {
     font-family: 'SF Mono', 'Fira Code', 'Consolas', monospace;
     font-size: 12px;
     border-bottom-color: rgba(0,255,136,0.06);
   }
-  body.trading-console .data-table tr:hover td {
+  [data-theme="dark"] body.trading-console .data-table tr:hover td {
     background: rgba(0,255,136,0.05);
   }
 
-  /* Console Buttons */
-  body.trading-console .preset-btn {
+  /* Console Buttons - Dark only overrides */
+  [data-theme="dark"] body.trading-console .preset-btn {
     background: rgba(255,255,255,0.03);
     color: var(--text-secondary);
     border-color: rgba(0,255,136,0.1);
   }
-  body.trading-console .preset-btn:hover {
+  [data-theme="dark"] body.trading-console .preset-btn:hover {
     border-color: #00FF88; color: #00FF88;
   }
-  body.trading-console .preset-btn.active {
+  [data-theme="dark"] body.trading-console .preset-btn.active {
     background: rgba(0,255,136,0.15);
     color: #00FF88; border-color: rgba(0,255,136,0.3);
   }
-  body.trading-console .gran-btn {
+  [data-theme="dark"] body.trading-console .gran-btn {
     background: rgba(255,255,255,0.03);
     color: var(--text-secondary);
     border-color: rgba(0,255,136,0.1);
   }
-  body.trading-console .gran-btn:hover {
+  [data-theme="dark"] body.trading-console .gran-btn:hover {
     border-color: #F9A825; color: #F9A825;
   }
-  body.trading-console .gran-btn.active {
+  [data-theme="dark"] body.trading-console .gran-btn.active {
     background: rgba(249,168,37,0.15);
     color: #F9A825; border-color: rgba(249,168,37,0.3);
   }
-  body.trading-console .date-inputs input[type="date"] {
+  [data-theme="dark"] body.trading-console .date-inputs input[type="date"] {
     background: rgba(255,255,255,0.03);
     color: var(--text); border-color: rgba(0,255,136,0.1);
   }
 
-  /* Console Ranks */
-  body.trading-console .rank-1 { background: rgba(249,168,37,0.15); color: #F9A825; }
-  body.trading-console .rank-2 { background: rgba(255,255,255,0.08); color: #9AA0A6; }
-  body.trading-console .rank-3 { background: rgba(216,67,21,0.15); color: #FF7043; }
-  body.trading-console .rank-default { background: rgba(255,255,255,0.05); }
+  /* Console Ranks - Dark */
+  [data-theme="dark"] body.trading-console .rank-1 { background: rgba(249,168,37,0.15); color: #F9A825; }
+  [data-theme="dark"] body.trading-console .rank-2 { background: rgba(255,255,255,0.08); color: #9AA0A6; }
+  [data-theme="dark"] body.trading-console .rank-3 { background: rgba(216,67,21,0.15); color: #FF7043; }
+  [data-theme="dark"] body.trading-console .rank-default { background: rgba(255,255,255,0.05); }
 
-  /* Console Loading */
-  body.trading-console .loading-overlay { background: rgba(10,15,24,0.85); }
+  /* Console Loading - Dark */
+  [data-theme="dark"] body.trading-console .loading-overlay { background: rgba(10,15,24,0.85); }
 
-  /* Console Footer */
-  body.trading-console .app-footer {
+  /* Console Footer - Dark */
+  [data-theme="dark"] body.trading-console .app-footer {
     background: #0A0F18; border-top-color: rgba(0,255,136,0.1); color: var(--text-muted);
   }
 
-  /* Console Scrollbars */
-  body.trading-console ::-webkit-scrollbar { width: 6px; height: 6px; }
-  body.trading-console ::-webkit-scrollbar-track { background: rgba(0,0,0,0.2); }
-  body.trading-console ::-webkit-scrollbar-thumb { background: rgba(0,255,136,0.2); border-radius: 3px; }
-  body.trading-console ::-webkit-scrollbar-thumb:hover { background: rgba(0,255,136,0.35); }
+  /* Console Scrollbars - Dark */
+  [data-theme="dark"] body.trading-console ::-webkit-scrollbar { width: 6px; height: 6px; }
+  [data-theme="dark"] body.trading-console ::-webkit-scrollbar-track { background: rgba(0,0,0,0.2); }
+  [data-theme="dark"] body.trading-console ::-webkit-scrollbar-thumb { background: rgba(0,255,136,0.2); border-radius: 3px; }
+  [data-theme="dark"] body.trading-console ::-webkit-scrollbar-thumb:hover { background: rgba(0,255,136,0.35); }
 
-  /* === Floating Console Navigation === */
+  /* === Folder-Tab Navigation (right edge) === */
   .console-nav {
     position: fixed; right: 0; top: 50%; transform: translateY(-50%);
-    z-index: 1000; display: flex; flex-direction: column; gap: 2px;
-    padding: 6px 4px 6px 8px;
-    background: rgba(15,25,35,0.92);
-    backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
-    border: 1px solid rgba(0,255,136,0.15); border-right: none;
-    border-radius: 12px 0 0 12px;
-    box-shadow: -4px 0 20px rgba(0,0,0,0.4);
+    z-index: 1000; display: flex; flex-direction: column; gap: 0;
+    padding: 0;
+    background: none;
   }
   .console-nav-btn {
-    display: flex; align-items: center; gap: 6px;
-    padding: 8px 10px; background: transparent;
-    border: 1px solid transparent; border-radius: 8px;
-    color: rgba(255,255,255,0.4); font-size: 11px; font-weight: 600;
-    font-family: 'SF Mono', 'Fira Code', 'Consolas', monospace;
-    cursor: pointer; transition: all 0.2s; white-space: nowrap;
-    text-decoration: none;
+    display: flex; flex-direction: column; align-items: center; justify-content: center;
+    gap: 6px;
+    width: 38px;
+    padding: 14px 0;
+    background: var(--card);
+    border: 1px solid var(--border);
+    border-right: none;
+    border-radius: 8px 0 0 8px;
+    margin-bottom: -1px;
+    color: var(--text-muted);
+    font-size: 11px; font-weight: 600;
+    cursor: pointer; transition: all 0.2s ease;
+    text-decoration: none; position: relative;
+    box-shadow: -2px 0 6px rgba(0,0,0,0.04);
   }
   .console-nav-btn:hover {
-    color: rgba(255,255,255,0.7); background: rgba(0,255,136,0.05);
+    color: var(--text);
+    background: var(--bg);
+    width: 42px;
   }
   .console-nav-btn.active {
-    color: #00FF88; background: rgba(0,255,136,0.08);
-    border-color: rgba(0,255,136,0.2);
+    color: var(--tc-accent);
+    background: var(--bg);
+    width: 44px;
+    border-color: var(--tc-accent);
+    border-right: 1px solid var(--bg);
+    z-index: 2;
+    box-shadow: -3px 0 10px rgba(0,0,0,0.08);
+  }
+  /* Dark theme tabs */
+  [data-theme="dark"] .console-nav-btn {
+    background: #161B22;
+    border-color: rgba(0,255,136,0.1);
+    color: rgba(255,255,255,0.35);
+    box-shadow: -2px 0 8px rgba(0,0,0,0.3);
+  }
+  [data-theme="dark"] .console-nav-btn:hover {
+    background: #1A2332;
+    color: rgba(255,255,255,0.7);
+  }
+  [data-theme="dark"] .console-nav-btn.active {
+    background: #0D1117;
+    color: #00FF88;
+    border-color: rgba(0,255,136,0.3);
+    border-right-color: #0D1117;
+    box-shadow: -3px 0 12px rgba(0,0,0,0.4);
     text-shadow: 0 0 8px rgba(0,255,136,0.4);
   }
+
   .console-nav-btn .nav-icon {
-    font-size: 14px; width: 20px; text-align: center; flex-shrink: 0;
+    font-size: 15px; line-height: 1; flex-shrink: 0;
   }
   .console-nav-btn .nav-label {
-    font-size: 10px; letter-spacing: 0.5px; text-transform: uppercase;
+    writing-mode: vertical-rl;
+    text-orientation: mixed;
+    font-size: 9px; letter-spacing: 1px; text-transform: uppercase;
+    font-weight: 700;
+    white-space: nowrap;
   }
-  @media (min-width: 769px) {
-    body.trading-console .app-container { padding-right: 70px; }
-  }
-  @media (max-width: 900px) {
-    .console-nav-btn .nav-label { display: none; }
-    .console-nav-btn { padding: 8px; }
-    .console-nav { padding: 6px 4px 6px 6px; }
-  }
-  @media (max-width: 768px) {
-    .console-nav-btn .nav-label { display: none; }
-    .console-nav-btn { padding: 10px; min-height: 40px; min-width: 40px; justify-content: center; }
-    .console-nav-btn .nav-icon { font-size: 16px; }
-    .console-nav { gap: 1px; padding: 4px 3px 4px 5px; }
-  }
-  @media (max-width: 480px) {
-    .console-nav {
-      top: 50%; transform: translateY(-50%); right: 0;
-      flex-direction: column;
-      padding: 3px 2px 3px 4px;
-    }
-    .console-nav-btn { padding: 7px; min-height: 34px; min-width: 34px; }
-    .console-nav-btn .nav-icon { font-size: 13px; }
+  [data-theme="dark"] .console-nav-btn .nav-label {
+    font-family: 'SF Mono', 'Fira Code', 'Consolas', monospace;
   }
 
-  /* Trading Terminal - Live Rates */
+  @media (min-width: 769px) {
+    body.trading-console .app-container { padding-right: 50px; }
+  }
+  /* Tablet: icon + short label */
+  @media (max-width: 900px) {
+    .console-nav-btn { width: 34px; padding: 10px 0; }
+    .console-nav-btn .nav-label { font-size: 8px; }
+    .console-nav-btn:hover { width: 38px; }
+    .console-nav-btn.active { width: 40px; }
+  }
+  /* Mobile: icon only */
+  @media (max-width: 768px) {
+    .console-nav-btn .nav-label { display: none; }
+    .console-nav-btn { width: 36px; padding: 12px 0; }
+    .console-nav-btn .nav-icon { font-size: 16px; }
+    .console-nav-btn:hover { width: 40px; }
+    .console-nav-btn.active { width: 42px; }
+  }
+  @media (max-width: 480px) {
+    .console-nav-btn { width: 30px; padding: 10px 0; }
+    .console-nav-btn .nav-icon { font-size: 13px; }
+    .console-nav-btn:hover { width: 34px; }
+    .console-nav-btn.active { width: 36px; }
+  }
+
+  /* Trading Terminal - Live Rates: Light */
   .trading-terminal {
-    background: linear-gradient(135deg, #0F1923 0%, #1A2332 50%, #0D1B2A 100%);
-    border-top: 1px solid rgba(0,255,136,0.15);
-    border-bottom: 1px solid rgba(0,255,136,0.15);
+    background: linear-gradient(135deg, #F8F9FB 0%, #EEF1F5 50%, #F0F2F5 100%);
+    border-top: 1px solid var(--border);
+    border-bottom: 1px solid var(--border);
     padding: 16px 40px;
     position: relative; overflow: hidden;
   }
   .trading-terminal::before {
     content: ''; position: absolute; top: 0; left: 0; right: 0; height: 1px;
-    background: linear-gradient(90deg, transparent, rgba(0,255,136,0.3), transparent);
+    background: linear-gradient(90deg, transparent, rgba(30,142,62,0.2), transparent);
   }
   .trading-terminal::after {
     content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 1px;
+    background: linear-gradient(90deg, transparent, rgba(30,142,62,0.2), transparent);
+  }
+  /* Trading Terminal - Dark */
+  [data-theme="dark"] .trading-terminal {
+    background: linear-gradient(135deg, #0F1923 0%, #1A2332 50%, #0D1B2A 100%);
+    border-top: 1px solid rgba(0,255,136,0.15);
+    border-bottom: 1px solid rgba(0,255,136,0.15);
+  }
+  [data-theme="dark"] .trading-terminal::before {
+    background: linear-gradient(90deg, transparent, rgba(0,255,136,0.3), transparent);
+  }
+  [data-theme="dark"] .trading-terminal::after {
     background: linear-gradient(90deg, transparent, rgba(0,255,136,0.3), transparent);
   }
   .live-rate-bar {
@@ -213,26 +306,37 @@ function buildAdminBIHTML(user) {
     max-width: 1600px; margin: 0 auto;
   }
   .terminal-title {
-    font-size: 10px; font-weight: 700; color: rgba(0,255,136,0.6);
+    font-size: 10px; font-weight: 700; color: var(--tc-accent);
     text-transform: uppercase; letter-spacing: 2px; margin-right: 8px;
+    opacity: 0.7;
+  }
+  [data-theme="dark"] .terminal-title {
     font-family: 'SF Mono', 'Fira Code', 'Consolas', monospace;
   }
   .live-rate-dot {
-    width: 7px; height: 7px; border-radius: 50%; background: #00FF88;
+    width: 7px; height: 7px; border-radius: 50%; background: var(--tc-accent);
     display: inline-block; animation: blink 1.5s infinite;
-    box-shadow: 0 0 6px rgba(0,255,136,0.6);
+    box-shadow: 0 0 6px var(--tc-accent-bg);
   }
   @keyframes blink { 0%, 100% { opacity: 1; } 50% { opacity: 0.2; } }
   .rate-pair-group {
     display: flex; align-items: center; gap: 8px;
-    background: rgba(255,255,255,0.03);
-    border: 1px solid rgba(255,255,255,0.06);
+    background: var(--card);
+    border: 1px solid var(--border);
     border-radius: 8px; padding: 8px 14px;
   }
+  [data-theme="dark"] .rate-pair-group {
+    background: rgba(255,255,255,0.03);
+    border-color: rgba(255,255,255,0.06);
+  }
   .rate-pair-label {
-    font-size: 11px; font-weight: 800; color: rgba(255,255,255,0.35);
+    font-size: 11px; font-weight: 800; color: var(--text-muted);
     text-transform: uppercase; letter-spacing: 1px; writing-mode: vertical-rl;
-    text-orientation: mixed; font-family: 'SF Mono', 'Fira Code', 'Consolas', monospace;
+    text-orientation: mixed;
+  }
+  [data-theme="dark"] .rate-pair-label {
+    font-family: 'SF Mono', 'Fira Code', 'Consolas', monospace;
+    color: rgba(255,255,255,0.35);
   }
   .live-rate-btn {
     display: flex; flex-direction: column; align-items: center; gap: 1px;
@@ -241,18 +345,28 @@ function buildAdminBIHTML(user) {
     transition: all 0.25s; min-width: 150px; justify-content: center; position: relative;
   }
   .rate-flags { font-size: 9px; opacity: 0.5; letter-spacing: 1px; line-height: 1; }
-  .live-rate-btn.compra { background: rgba(0,255,136,0.08); color: #00FF88; border-color: rgba(0,255,136,0.2); }
-  .live-rate-btn.compra:hover { background: rgba(0,255,136,0.14); }
-  .live-rate-btn.venda { background: rgba(255,68,68,0.08); color: #FF4444; border-color: rgba(255,68,68,0.2); }
-  .live-rate-btn.venda:hover { background: rgba(255,68,68,0.14); }
+  .live-rate-btn.compra { background: var(--green-bg); color: var(--green); border-color: rgba(30,142,62,0.2); }
+  .live-rate-btn.compra:hover { background: rgba(30,142,62,0.12); }
+  .live-rate-btn.venda { background: var(--red-bg); color: var(--red); border-color: rgba(217,48,37,0.2); }
+  .live-rate-btn.venda:hover { background: rgba(217,48,37,0.12); }
+  [data-theme="dark"] .live-rate-btn.compra { background: rgba(0,255,136,0.08); color: #00FF88; border-color: rgba(0,255,136,0.2); }
+  [data-theme="dark"] .live-rate-btn.compra:hover { background: rgba(0,255,136,0.14); }
+  [data-theme="dark"] .live-rate-btn.venda { background: rgba(255,68,68,0.08); color: #FF4444; border-color: rgba(255,68,68,0.2); }
+  [data-theme="dark"] .live-rate-btn.venda:hover { background: rgba(255,68,68,0.14); }
   .live-rate-btn .rate-value {
     font-size: 22px; font-weight: 800; letter-spacing: -0.5px;
+    font-variant-numeric: tabular-nums;
+  }
+  [data-theme="dark"] .live-rate-btn .rate-value {
     font-family: 'SF Mono', 'Fira Code', 'Consolas', monospace;
-    font-variant-numeric: tabular-nums; text-shadow: 0 0 12px currentColor;
+    text-shadow: 0 0 12px currentColor;
   }
   .live-rate-btn .rate-type {
     font-size: 9px; text-transform: uppercase; letter-spacing: 1.5px;
-    opacity: 0.5; font-family: 'SF Mono', 'Fira Code', 'Consolas', monospace;
+    opacity: 0.5;
+  }
+  [data-theme="dark"] .live-rate-btn .rate-type {
+    font-family: 'SF Mono', 'Fira Code', 'Consolas', monospace;
   }
   .live-rate-btn.pulse .rate-value { animation: ratePulse 0.4s ease; }
   @keyframes ratePulse {
@@ -261,8 +375,11 @@ function buildAdminBIHTML(user) {
     100% { transform: scale(1); text-shadow: 0 0 12px currentColor; }
   }
   .live-rate-time {
-    font-size: 10px; color: rgba(255,255,255,0.25);
-    font-family: 'SF Mono', 'Fira Code', 'Consolas', monospace; letter-spacing: 0.5px;
+    font-size: 10px; color: var(--text-muted); letter-spacing: 0.5px;
+  }
+  [data-theme="dark"] .live-rate-time {
+    color: rgba(255,255,255,0.25);
+    font-family: 'SF Mono', 'Fira Code', 'Consolas', monospace;
   }
 
   /* Filter Bar */
@@ -299,9 +416,10 @@ function buildAdminBIHTML(user) {
     display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; margin-bottom: 28px;
   }
   .hero-card {
-    background: var(--card); border-radius: 16px; padding: 20px 24px;
+    background: var(--card); border-radius: 16px; padding: 20px 18px;
     border: 1px solid var(--border); box-shadow: 0 2px 8px rgba(0,0,0,0.04);
     position: relative; overflow: hidden;
+    min-width: 0;
   }
   .hero-card::before {
     content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
@@ -316,8 +434,10 @@ function buildAdminBIHTML(user) {
     text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 8px;
   }
   .hero-value {
-    font-size: 28px; font-weight: 800; color: var(--text); margin-bottom: 4px;
+    font-size: clamp(14px, 1.6vw, 26px); font-weight: 800; color: var(--text); margin-bottom: 4px;
     font-variant-numeric: tabular-nums;
+    word-break: break-word; overflow-wrap: break-word;
+    min-width: 0; line-height: 1.2;
   }
   .hero-badge {
     display: inline-block; font-size: 11px; font-weight: 700; padding: 3px 10px;
@@ -379,9 +499,9 @@ function buildAdminBIHTML(user) {
     width: 32px; height: 32px; border-radius: 50%; display: inline-flex;
     align-items: center; justify-content: center; font-weight: 800; font-size: 12px;
   }
-  .rank-1 { background: #FFF8E1; color: #F9A825; }
-  .rank-2 { background: #F5F5F5; color: #757575; }
-  .rank-3 { background: #FBE9E7; color: #D84315; }
+  .rank-1 { background: rgba(249,168,37,0.12); color: #F9A825; }
+  .rank-2 { background: rgba(0,0,0,0.04); color: #757575; }
+  .rank-3 { background: rgba(216,67,21,0.1); color: #D84315; }
   .rank-default { background: var(--bg); color: var(--text-muted); }
 
   /* Gauge / Metric Cards */
@@ -411,6 +531,20 @@ function buildAdminBIHTML(user) {
   .gauge-bar-fill.blue { background: linear-gradient(90deg, var(--blue), #42A5F5); }
   .gauge-label { font-size: 12px; color: var(--text-muted); }
 
+  /* Netting Gran Buttons */
+  .netting-gran-btn {
+    width: 32px; height: 32px; border-radius: 50%;
+    border: 1px solid var(--border); background: var(--bg);
+    font-size: 12px; font-weight: 700; cursor: pointer;
+    color: var(--text-secondary); transition: all 0.15s; font-family: inherit;
+    display: inline-flex; align-items: center; justify-content: center;
+  }
+  .netting-gran-btn:hover { border-color: var(--tc-accent); color: var(--tc-accent); }
+  .netting-gran-btn.active { background: var(--tc-accent); color: white; border-color: var(--tc-accent); }
+  [data-theme="dark"] .netting-gran-btn { background: rgba(255,255,255,0.03); color: var(--text-secondary); border-color: rgba(0,255,136,0.1); }
+  [data-theme="dark"] .netting-gran-btn:hover { border-color: #00FF88; color: #00FF88; }
+  [data-theme="dark"] .netting-gran-btn.active { background: rgba(0,255,136,0.15); color: #00FF88; border-color: rgba(0,255,136,0.3); }
+
   /* Netting Card */
   .netting-row {
     display: flex; justify-content: space-between; align-items: center;
@@ -445,6 +579,46 @@ function buildAdminBIHTML(user) {
   .hero-grid-4 { grid-template-columns: repeat(4, 1fr); }
   .hero-card[style*="--top-color"]::before { background: var(--top-color); }
 
+  /* Cohort Heatmap */
+  .cohort-table { width: 100%; border-collapse: collapse; font-size: 11px; overflow-x: auto; display: block; }
+  .cohort-table th, .cohort-table td { padding: 6px 8px; text-align: center; white-space: nowrap; border: 1px solid var(--border); min-width: 48px; }
+  .cohort-table th { font-weight: 700; font-size: 10px; text-transform: uppercase; color: var(--text-muted); background: var(--bg); position: sticky; top: 0; }
+  .cohort-table th:first-child, .cohort-table td:first-child { text-align: left; position: sticky; left: 0; z-index: 1; background: var(--card); min-width: 90px; }
+  .cohort-table td:nth-child(2) { font-weight: 700; color: var(--text); }
+  .cohort-cell { font-weight: 600; font-variant-numeric: tabular-nums; border-radius: 2px; }
+  [data-theme="dark"] .cohort-table th:first-child, [data-theme="dark"] .cohort-table td:first-child { background: rgba(255,255,255,0.03); }
+
+  /* Waterfall */
+  .waterfall-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 12px; }
+  .waterfall-item { text-align: center; padding: 16px 8px; border-radius: 12px; border: 1px solid var(--border); background: var(--card); }
+  .waterfall-item .wf-label { font-size: 10px; font-weight: 700; text-transform: uppercase; color: var(--text-muted); letter-spacing: 0.5px; margin-bottom: 8px; }
+  .waterfall-item .wf-count { font-size: 28px; font-weight: 800; line-height: 1; margin-bottom: 4px; font-variant-numeric: tabular-nums; }
+  .waterfall-item .wf-revenue { font-size: 13px; font-weight: 700; font-variant-numeric: tabular-nums; }
+  .waterfall-item.wf-new { border-color: var(--blue); }
+  .waterfall-item.wf-new .wf-count { color: var(--blue); }
+  .waterfall-item.wf-expansion { border-color: var(--green); }
+  .waterfall-item.wf-expansion .wf-count { color: var(--green); }
+  .waterfall-item.wf-stable .wf-count { color: var(--text-secondary); }
+  .waterfall-item.wf-contraction { border-color: var(--orange); }
+  .waterfall-item.wf-contraction .wf-count { color: var(--orange); }
+  .waterfall-item.wf-churned { border-color: var(--red); }
+  .waterfall-item.wf-churned .wf-count { color: var(--red); }
+  [data-theme="dark"] .waterfall-item { background: rgba(255,255,255,0.02); }
+  [data-theme="dark"] .waterfall-item .wf-count { font-family: 'SF Mono','Fira Code','Consolas',monospace; text-shadow: 0 0 8px currentColor; }
+
+  /* Cross-sell & Maturity */
+  .segment-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 28px; }
+  .segment-card { border-radius: 16px; padding: 24px; background: var(--card); border: 1px solid var(--border); }
+  .segment-card h3 { font-size: 14px; font-weight: 700; color: var(--text); margin-bottom: 16px; display: flex; align-items: center; gap: 8px; }
+  .segment-bars { display: flex; flex-direction: column; gap: 10px; }
+  .seg-row { display: flex; align-items: center; gap: 12px; }
+  .seg-label { font-size: 12px; font-weight: 600; color: var(--text-secondary); min-width: 110px; }
+  .seg-bar-wrap { flex: 1; height: 24px; border-radius: 6px; background: var(--bg); overflow: hidden; position: relative; }
+  .seg-bar-fill { height: 100%; border-radius: 6px; transition: width 0.6s; display: flex; align-items: center; padding: 0 8px; min-width: 0; }
+  .seg-bar-text { font-size: 10px; font-weight: 700; color: white; white-space: nowrap; }
+  .seg-count { font-size: 13px; font-weight: 700; min-width: 50px; text-align: right; color: var(--text); font-variant-numeric: tabular-nums; }
+  [data-theme="dark"] .segment-card { background: rgba(255,255,255,0.03); border-color: rgba(0,255,136,0.1); }
+
   /* Loading */
   .loading-overlay {
     position: absolute; inset: 0; background: rgba(255,255,255,0.8);
@@ -452,6 +626,13 @@ function buildAdminBIHTML(user) {
     border-radius: 16px; z-index: 10; font-size: 13px; color: var(--text-muted);
   }
 
+  /* Responsive - Small Desktop */
+  @media (max-width: 1200px) {
+    .hero-grid { grid-template-columns: repeat(3, 1fr); }
+    .hero-grid-4 { grid-template-columns: repeat(2, 1fr); }
+    .hero-value { font-size: clamp(15px, 2.4vw, 22px); }
+  }
+
   /* Responsive - Tablet */
   @media (max-width: 900px) {
     .trading-terminal { padding: 12px 16px; }
@@ -461,8 +642,6 @@ function buildAdminBIHTML(user) {
     .live-rate-btn { min-width: 100px; padding: 6px 12px; }
     .live-rate-btn .rate-value { font-size: 16px; }
     .rate-separator { display: none; }
-    .hero-grid { grid-template-columns: repeat(3, 1fr); }
-    .hero-grid-4 { grid-template-columns: repeat(2, 1fr); }
     .charts-row { grid-template-columns: 1fr; }
     .charts-row.equal { grid-template-columns: 1fr; }
     .charts-row.triple { grid-template-columns: 1fr 1fr; }
@@ -539,6 +718,12 @@ function buildAdminBIHTML(user) {
     /* Netting */
     .netting-label { font-size: 12px; }
     .netting-value { font-size: 14px; }
+
+    /* Strategic sections */
+    .waterfall-grid { grid-template-columns: repeat(3, 1fr); }
+    .segment-grid { grid-template-columns: 1fr; }
+    .cohort-table { font-size: 10px; }
+    .cohort-table th, .cohort-table td { padding: 4px 6px; min-width: 40px; }
   }
 
   /* Responsive - Small Mobile */
@@ -585,6 +770,11 @@ function buildAdminBIHTML(user) {
     /* Section titles */
     .section-title { font-size: 12px; letter-spacing: 0.5px; }
     .section-title .icon { width: 24px; height: 24px; font-size: 12px; }
+
+    /* Strategic */
+    .waterfall-grid { grid-template-columns: repeat(2, 1fr); }
+    .waterfall-item .wf-count { font-size: 22px; }
+    .seg-label { min-width: 80px; font-size: 11px; }
   }
 
   /* Dark Mode overrides */
@@ -655,7 +845,7 @@ ${buildHeader({ role: role, userName: user.nome, activePage: 'bi' })}
   <!-- Hero KPI Cards -->
   <div class="hero-grid" id="heroGrid">
     <div class="hero-card spread">
-      <div class="hero-label">Receita de Spread</div>
+      <div class="hero-label">Receita USD (Spread)</div>
       <div class="hero-value" id="kpiSpreadRevenue">--</div>
       <span class="hero-badge neutral" id="kpiSpreadBadge">--</span>
       <div class="hero-sub" id="kpiSpreadSub">vs periodo anterior</div>
@@ -707,7 +897,10 @@ ${buildHeader({ role: role, userName: user.nome, activePage: 'bi' })}
   </div>
   <div class="charts-row equal">
     <div class="chart-card">
-      <h3>Top 10 Clientes por Volume</h3>
+      <h3>Top 10 Clientes por Volume
+        <button id="btnResetClients" style="display:none;margin-left:auto;" class="preset-btn"
+          onclick="_resetClientFilter()">Mostrar Todos</button>
+      </h3>
       <div class="chart-wrap"><canvas id="chartTopClients"></canvas></div>
     </div>
     <div class="chart-card" style="display:flex;flex-direction:column;gap:20px;">
@@ -716,14 +909,25 @@ ${buildHeader({ role: role, userName: user.nome, activePage: 'bi' })}
         <div class="gauge-value green" id="retentionValue">--%</div>
         <div class="gauge-bar"><div class="gauge-bar-fill green" id="retentionBar" style="width:0%"></div></div>
         <div class="gauge-label" id="retentionLabel">-- de -- clientes retidos</div>
+        <div class="retention-breakdown" id="retentionBreakdown" style="display:flex;justify-content:center;gap:16px;margin-top:10px;">
+          <span class="ret-stat" style="font-size:13px;font-weight:700;color:var(--green);" id="retNovos">+0 novos</span>
+          <span class="ret-stat" style="font-size:13px;font-weight:700;color:var(--red);" id="retPerdidos">-0 perdidos</span>
+        </div>
       </div>
       <div style="flex:1;overflow:auto;">
-        <h3 style="font-size:14px;font-weight:700;margin-bottom:12px;color:var(--text);">
-          Clientes em Risco <span style="font-size:11px;color:var(--red);font-weight:600;">(30+ dias sem operar)</span>
+        <h3 style="font-size:14px;font-weight:700;margin-bottom:8px;color:var(--text);">
+          Clientes em Risco
         </h3>
+        <div class="risk-filters" style="display:flex;align-items:center;gap:6px;margin-bottom:10px;flex-wrap:wrap;">
+          <span style="font-size:11px;color:var(--text-muted);">Inativos ha:</span>
+          <button class="preset-btn risk-threshold-btn" data-risk="15" style="padding:4px 10px;font-size:11px;">15d</button>
+          <button class="preset-btn risk-threshold-btn active" data-risk="30" style="padding:4px 10px;font-size:11px;">30d</button>
+          <button class="preset-btn risk-threshold-btn" data-risk="60" style="padding:4px 10px;font-size:11px;">60d</button>
+          <button class="preset-btn risk-threshold-btn" data-risk="90" style="padding:4px 10px;font-size:11px;">90d</button>
+        </div>
         <table class="data-table" id="riskTable">
-          <thead><tr><th>Cliente</th><th>Ultima Op</th><th>Volume USD</th></tr></thead>
-          <tbody id="riskTableBody"><tr><td colspan="3" style="text-align:center;color:var(--text-muted);">Carregando...</td></tr></tbody>
+          <thead><tr><th>Cliente</th><th>Ultima Op</th><th>Dias</th><th>Volume USD</th></tr></thead>
+          <tbody id="riskTableBody"><tr><td colspan="4" style="text-align:center;color:var(--text-muted);">Carregando...</td></tr></tbody>
         </table>
       </div>
     </div>
@@ -734,13 +938,41 @@ ${buildHeader({ role: role, userName: user.nome, activePage: 'bi' })}
     <span class="icon">&#x2699;</span>
     Operacional
   </div>
-  <div class="charts-row triple">
+  <div class="charts-row equal">
     <div class="chart-card">
       <h3>Volume por Corredor</h3>
       <div class="chart-wrap"><canvas id="chartVolFlow"></canvas></div>
     </div>
+    <div class="chart-card">
+      <h3>Ranking Agentes</h3>
+      <div style="overflow-x:auto;-webkit-overflow-scrolling:touch;">
+        <table class="data-table">
+          <thead><tr><th>#</th><th>Agente</th><th>Volume</th><th>Ops</th><th>Spread R$</th><th>Clientes</th></tr></thead>
+          <tbody id="agentTableBody"><tr><td colspan="6" style="text-align:center;color:var(--text-muted);">Carregando...</td></tr></tbody>
+        </table>
+      </div>
+    </div>
+  </div>
+
+  <!-- Section: Netting & Balanco -->
+  <div class="section-title" id="sectionNetting">
+    <span class="icon">&#x2696;</span>
+    Netting & Balanco
+  </div>
+  <div class="charts-row equal">
+    <div class="chart-card">
+      <div style="display:flex;justify-content:space-between;align-items:center;margin-bottom:12px;">
+        <h3 style="margin:0;">Fluxo Entrada vs Saida</h3>
+        <div class="gran-selector">
+          <button class="netting-gran-btn active" data-netting-gran="D">D</button>
+          <button class="netting-gran-btn" data-netting-gran="W">W</button>
+          <button class="netting-gran-btn" data-netting-gran="M">M</button>
+        </div>
+      </div>
+      <div class="chart-wrap"><canvas id="chartNetting"></canvas></div>
+    </div>
     <div class="chart-card" style="display:flex;flex-direction:column;gap:16px;">
-      <h3 style="font-size:14px;font-weight:700;color:var(--text);margin:0;">Netting & Balanco</h3>
+      <h3 style="font-size:14px;font-weight:700;color:var(--text);margin:0;">Resumo Netting</h3>
       <div id="nettingContent">
         <div class="netting-row">
           <span class="netting-label">Saida (BRL&#x2192;USD)</span>
@@ -761,15 +993,6 @@ ${buildHeader({ role: role, userName: user.nome, activePage: 'bi' })}
         </div>
       </div>
     </div>
-    <div class="chart-card">
-      <h3>Ranking Agentes</h3>
-      <div style="overflow-x:auto;-webkit-overflow-scrolling:touch;">
-        <table class="data-table">
-          <thead><tr><th>#</th><th>Agente</th><th>Volume</th><th>Ops</th><th>Spread R$</th><th>Clientes</th></tr></thead>
-          <tbody id="agentTableBody"><tr><td colspan="6" style="text-align:center;color:var(--text-muted);">Carregando...</td></tr></tbody>
-        </table>
-      </div>
-    </div>
   </div>
 
   <!-- Section: Revenue Analytics -->
@@ -832,6 +1055,83 @@ ${buildHeader({ role: role, userName: user.nome, activePage: 'bi' })}
     </div>
   </div>
 
+  <!-- Section: Revenue Expansion / Contraction -->
+  <div class="section-title" id="sectionExpansion" style="margin-top:12px;">
+    <span class="icon">&#x1F4C9;</span>
+    Revenue Expansion &amp; Contraction
+  </div>
+  <div class="waterfall-grid" id="waterfallGrid" style="margin-bottom:28px;">
+    <div class="waterfall-item wf-new">
+      <div class="wf-label">Novos</div>
+      <div class="wf-count" id="wfNewCount">--</div>
+      <div class="wf-revenue" id="wfNewRev" style="color:var(--blue);">--</div>
+    </div>
+    <div class="waterfall-item wf-expansion">
+      <div class="wf-label">Expansao</div>
+      <div class="wf-count" id="wfExpCount">--</div>
+      <div class="wf-revenue" id="wfExpRev" style="color:var(--green);">--</div>
+    </div>
+    <div class="waterfall-item wf-stable">
+      <div class="wf-label">Estavel</div>
+      <div class="wf-count" id="wfStaCount">--</div>
+      <div class="wf-revenue" id="wfStaRev" style="color:var(--text-secondary);">--</div>
+    </div>
+    <div class="waterfall-item wf-contraction">
+      <div class="wf-label">Contracao</div>
+      <div class="wf-count" id="wfConCount">--</div>
+      <div class="wf-revenue" id="wfConRev" style="color:var(--orange);">--</div>
+    </div>
+    <div class="waterfall-item wf-churned">
+      <div class="wf-label">Churned</div>
+      <div class="wf-count" id="wfChurnCount">--</div>
+      <div class="wf-revenue" id="wfChurnRev" style="color:var(--red);">--</div>
+    </div>
+  </div>
+
+  <div class="charts-row equal" style="margin-bottom:28px;">
+    <div class="chart-card">
+      <h3>Waterfall de Receita</h3>
+      <div class="chart-wrap"><canvas id="chartWaterfall"></canvas></div>
+    </div>
+    <div class="chart-card">
+      <h3>Distribuicao por Segmento</h3>
+      <div class="chart-wrap"><canvas id="chartExpDonut"></canvas></div>
+    </div>
+  </div>
+
+  <!-- Section: Cross-sell & Maturity -->
+  <div class="section-title" id="sectionSegments">
+    <span class="icon">&#x1F3AF;</span>
+    Segmentacao Estrategica
+  </div>
+  <div class="segment-grid">
+    <div class="segment-card">
+      <h3>Cross-sell <span class="badge">CambioPay vs Checkout</span></h3>
+      <div class="chart-wrap short"><canvas id="chartCrossSell"></canvas></div>
+      <div class="segment-bars" id="crossSellBars" style="margin-top:16px;"></div>
+    </div>
+    <div class="segment-card">
+      <h3>Maturidade de Clientes</h3>
+      <div class="chart-wrap short"><canvas id="chartMaturity"></canvas></div>
+      <div class="segment-bars" id="maturityBars" style="margin-top:16px;"></div>
+    </div>
+  </div>
+
+  <!-- Section: Cohort Retention -->
+  <div class="section-title" id="sectionCohort">
+    <span class="icon">&#x1F4CA;</span>
+    Retencao por Cohort
+  </div>
+  <div class="chart-card" style="margin-bottom:28px;">
+    <h3>Cohort Retention Heatmap <span class="badge">ultimos 12 meses</span></h3>
+    <div style="overflow-x:auto;-webkit-overflow-scrolling:touch;">
+      <table class="cohort-table" id="cohortTable">
+        <thead id="cohortHead"><tr><th>Cohort</th><th>Clientes</th></tr></thead>
+        <tbody id="cohortBody"><tr><td colspan="14" style="text-align:center;color:var(--text-muted);">Carregando...</td></tr></tbody>
+      </table>
+    </div>
+  </div>
+
 </div>
 
 ${buildFooter()}
@@ -853,18 +1153,23 @@ ${buildFooter()}
   <a class="console-nav-btn" href="#sectionOps" title="Operacional">
     <span class="nav-icon">\u2699</span><span class="nav-label">Ops</span>
   </a>
+  <a class="console-nav-btn" href="#sectionNetting" title="Netting">
+    <span class="nav-icon">\u2696</span><span class="nav-label">Netting</span>
+  </a>
   <a class="console-nav-btn" href="#sectionPnL" title="P&L">
     <span class="nav-icon">\uD83D\uDCB0</span><span class="nav-label">P&L</span>
   </a>
+  <a class="console-nav-btn" href="#sectionExpansion" title="Expansion">
+    <span class="nav-icon">\uD83D\uDCC9</span><span class="nav-label">Exp</span>
+  </a>
+  <a class="console-nav-btn" href="#sectionSegments" title="Segments">
+    <span class="nav-icon">\uD83C\uDFAF</span><span class="nav-label">Seg</span>
+  </a>
+  <a class="console-nav-btn" href="#sectionCohort" title="Cohort">
+    <span class="nav-icon">\uD83D\uDCCA</span><span class="nav-label">Cohort</span>
+  </a>
 </nav>
 
-<script>
-// Force dark theme on trading console - override global toggle
-document.documentElement.setAttribute('data-theme', 'dark');
-var _toggle = document.querySelector('.btn-theme-toggle');
-if (_toggle) _toggle.style.display = 'none';
-</script>
-
 <script>
 // Global error handler - shows JS errors on screen for debugging
 window.onerror = function(msg, url, line, col, err) {
@@ -877,8 +1182,7 @@ window.onerror = function(msg, url, line, col, err) {
 
 <script>
 // === Formatters ===
-const fmtBRL = v => v.toLocaleString('pt-BR', { style: 'currency', currency: 'BRL' });
-const fmtUSD = v => v.toLocaleString('pt-BR', { style: 'currency', currency: 'USD' });
+const fmtUSD = v => '$' + Number(v).toLocaleString('en-US', {minimumFractionDigits:0, maximumFractionDigits:0});
 const fmtNum = v => v.toLocaleString('pt-BR');
 const fmtPct = (curr, prev) => {
   if (!prev || prev === 0) return { text: 'N/A', cls: 'neutral' };
@@ -914,7 +1218,7 @@ function setPreset(preset) {
   loadAll();
 }
 
-function loadAll() { loadBI(); if (typeof loadRevenue === 'function') loadRevenue(); }
+function loadAll() { loadBI(); if (typeof loadRevenue === 'function') loadRevenue(); loadStrategic(); }
 
 document.querySelectorAll('.preset-btn').forEach(btn => {
   btn.addEventListener('click', () => setPreset(btn.dataset.preset));
@@ -930,11 +1234,381 @@ document.getElementById('dateEnd').addEventListener('change', () => {
   loadAll();
 });
 
+// === Theme-aware Chart.js ===
+function getChartTheme() {
+  var isDark = document.documentElement.getAttribute('data-theme') === 'dark';
+  return isDark ? {
+    text: '#94A3B8', grid: 'rgba(0,255,136,0.06)',
+    tooltipBg: '#1A2332', tooltipTitle: '#E2E8F0', tooltipBody: '#94A3B8',
+    tooltipBorder: 'rgba(0,255,136,0.15)',
+    donutColors: ['#58A6FF', '#00FF88'],
+    volumeBar: 'rgba(88,166,255,0.15)', volumeBorder: 'rgba(88,166,255,0.4)',
+    spreadLine: '#00FF88', spreadFill: 'rgba(0,255,136,0.1)',
+    clientBar: 'rgba(188,140,255,0.15)', clientBorder: 'rgba(188,140,255,0.5)',
+    flowColors: ['#58A6FF', '#00FF88', '#BC8CFF'],
+    products: {
+      'BR\\u2192US: Checkout': '#58A6FF', 'BR\\u2192US: CambioTransfer': '#82BFFF',
+      'US\\u2192BR: balance': '#00FF88', 'US\\u2192BR: desconhecido': '#66FFB2',
+      'US\\u2192BR: swift': '#00BFA5', 'US\\u2192BR: wire': '#4DD0A0', 'US\\u2192BR: pix': '#33FF99'
+    },
+    productFallback: ['#BC8CFF','#D4A5FF','#F9A825','#FF7043','#78909C','#FF6B9D','#7C8CFF','#A1887F']
+  } : {
+    text: '#5F6368', grid: 'rgba(0,0,0,0.06)',
+    tooltipBg: '#FFFFFF', tooltipTitle: '#1A1D23', tooltipBody: '#5F6368',
+    tooltipBorder: 'rgba(0,0,0,0.1)',
+    donutColors: ['#1A73E8', '#1E8E3E'],
+    volumeBar: 'rgba(26,115,232,0.12)', volumeBorder: 'rgba(26,115,232,0.4)',
+    spreadLine: '#1E8E3E', spreadFill: 'rgba(30,142,62,0.08)',
+    clientBar: 'rgba(123,31,162,0.12)', clientBorder: 'rgba(123,31,162,0.5)',
+    flowColors: ['#1A73E8', '#1E8E3E', '#7B1FA2'],
+    products: {
+      'BR\\u2192US: Checkout': '#1A73E8', 'BR\\u2192US: CambioTransfer': '#4A9AF5',
+      'US\\u2192BR: balance': '#1E8E3E', 'US\\u2192BR: desconhecido': '#43A047',
+      'US\\u2192BR: swift': '#00897B', 'US\\u2192BR: wire': '#26A69A', 'US\\u2192BR: pix': '#2E7D32'
+    },
+    productFallback: ['#7B1FA2','#AB47BC','#F57C00','#E64A19','#546E7A','#D81B60','#3F51B5','#6D4C41']
+  };
+}
+
+function applyChartDefaults(t) {
+  if (typeof Chart === 'undefined') return;
+  Chart.defaults.color = t.text;
+  Chart.defaults.borderColor = t.grid;
+  Chart.defaults.plugins.legend.labels.color = t.text;
+  Chart.defaults.plugins.tooltip.backgroundColor = t.tooltipBg;
+  Chart.defaults.plugins.tooltip.titleColor = t.tooltipTitle;
+  Chart.defaults.plugins.tooltip.bodyColor = t.tooltipBody;
+  Chart.defaults.plugins.tooltip.borderColor = t.tooltipBorder;
+  Chart.defaults.plugins.tooltip.borderWidth = 1;
+}
+
+function getProductColor(produto, i) {
+  var t = getChartTheme();
+  return t.products[produto] || t.productFallback[i % t.productFallback.length];
+}
+
 // === Chart instances ===
-let chartDonut, chartSpreadTrend, chartTopClients, chartVolFlow;
+let chartDonut, chartSpreadTrend, chartTopClients, chartVolFlow, chartNetting;
+
+// === Cached data for theme re-render ===
+let _biData = null, _revenueData = null;
+var _hiddenClients = new Set();
+var _riskThreshold = 30;
+var currentNettingGran = 'D';
 
 function destroyCharts() {
-  [chartDonut, chartSpreadTrend, chartTopClients, chartVolFlow].forEach(c => { if (c) c.destroy(); });
+  [chartDonut, chartSpreadTrend, chartTopClients, chartVolFlow, chartNetting].forEach(c => { if (c) c.destroy(); });
+}
+
+function _renderBICharts(d) {
+  if (typeof Chart === 'undefined') return;
+  var _ct = getChartTheme();
+  try { destroyCharts(); } catch(e) {}
+
+  // Donut: Revenue por Corredor
+  try {
+  chartDonut = new Chart(document.getElementById('chartDonut'), {
+    type: 'doughnut',
+    data: {
+      labels: ['BRL \\u2192 USD', 'USD \\u2192 BRL'],
+      datasets: [{
+        data: [d.kpis.brlUsd.spread_revenue, d.kpis.usdBrl.spread_revenue],
+        backgroundColor: _ct.donutColors,
+        borderWidth: 0, hoverOffset: 8
+      }]
+    },
+    options: {
+      responsive: true, maintainAspectRatio: false,
+      plugins: {
+        legend: { position: 'bottom', labels: { padding: 16, font: { size: 12, weight: 600 } } },
+        tooltip: { callbacks: { label: function(ctx) { return ctx.label + ': ' + fmtUSD(ctx.raw); } } }
+      },
+      cutout: '65%'
+    }
+  });
+  } catch(e) { console.warn('Chart donut:', e.message); }
+
+  // Prepare trend data
+  var allDays = new Set();
+  d.trend.brlUsd.forEach(function(t) { allDays.add(t.dia); });
+  d.trend.usdBrl.forEach(function(t) { allDays.add(t.dia); });
+  d.trend.usdUsd.forEach(function(t) { allDays.add(t.dia); });
+  var days = [...allDays].sort();
+  var labels = days.map(function(x) { var p = x.split('-'); return p[2] + '/' + p[1]; });
+
+  var spreadByDay = {}, volByDay = {};
+  days.forEach(function(day) { spreadByDay[day] = []; volByDay[day] = 0; });
+  d.trend.brlUsd.forEach(function(t) { spreadByDay[t.dia].push(t.avg_spread); volByDay[t.dia] += t.vol_usd; });
+  d.trend.usdBrl.forEach(function(t) { spreadByDay[t.dia].push(t.avg_spread); volByDay[t.dia] += t.vol_usd; });
+  d.trend.usdUsd.forEach(function(t) { volByDay[t.dia] += t.vol_usd; });
+
+  var avgSpreads = days.map(function(day) {
+    var vals = spreadByDay[day];
+    return vals.length > 0 ? vals.reduce(function(a,b){return a+b;}, 0) / vals.length : null;
+  });
+  var volumes = days.map(function(day) { return volByDay[day]; });
+
+  // Spread Trend + Volume
+  try {
+  chartSpreadTrend = new Chart(document.getElementById('chartSpreadTrend'), {
+    type: 'bar',
+    data: {
+      labels: labels,
+      datasets: [
+        {
+          label: 'Volume USD', data: volumes, type: 'bar',
+          backgroundColor: _ct.volumeBar, borderColor: _ct.volumeBorder,
+          borderWidth: 1, borderRadius: 4, yAxisID: 'y', order: 2
+        },
+        {
+          label: 'Spread Medio %', data: avgSpreads, type: 'line',
+          borderColor: _ct.spreadLine, backgroundColor: _ct.spreadFill,
+          borderWidth: 2, pointRadius: 2, pointHoverRadius: 5, fill: true,
+          tension: 0.3, yAxisID: 'y1', order: 1, spanGaps: true
+        }
+      ]
+    },
+    options: {
+      responsive: true, maintainAspectRatio: false, interaction: { mode: 'index', intersect: false },
+      plugins: {
+        legend: { position: 'top', labels: { font: { size: 11, weight: 600 }, padding: 12 } },
+        tooltip: {
+          callbacks: {
+            label: function(ctx) {
+              return ctx.dataset.label === 'Volume USD'
+                ? 'Volume: ' + fmtUSD(ctx.raw)
+                : 'Spread: ' + (ctx.raw !== null ? ctx.raw.toFixed(2) + '%' : 'N/A');
+            }
+          }
+        }
+      },
+      scales: {
+        y: { position: 'left', grid: { color: _ct.grid }, ticks: { callback: function(v){return fmtUSD(v);}, font: { size: 10 } } },
+        y1: { position: 'right', grid: { display: false }, ticks: { callback: function(v){return v.toFixed(1) + '%';}, font: { size: 10 } }, min: 0 },
+        x: { grid: { display: false }, ticks: { font: { size: 10 }, maxRotation: 45 } }
+      }
+    }
+  });
+  } catch(e) { console.warn('Chart spread:', e.message); }
+
+  // Top 10 Clients (with click-to-hide)
+  _updateClientChart(d);
+  document.getElementById('btnResetClients').style.display = _hiddenClients.size ? '' : 'none';
+
+  // Volume by Flow Stacked
+  var volBrlUsd = days.map(function(day) { var t = d.trend.brlUsd.find(function(x){return x.dia === day;}); return t ? t.vol_usd : 0; });
+  var volUsdBrl = days.map(function(day) { var t = d.trend.usdBrl.find(function(x){return x.dia === day;}); return t ? t.vol_usd : 0; });
+  var volUsdUsd = days.map(function(day) { var t = d.trend.usdUsd.find(function(x){return x.dia === day;}); return t ? t.vol_usd : 0; });
+  try {
+  chartVolFlow = new Chart(document.getElementById('chartVolFlow'), {
+    type: 'bar',
+    data: {
+      labels: labels,
+      datasets: [
+        { label: 'BRL\\u2192USD', data: volBrlUsd, backgroundColor: _ct.flowColors[0], borderRadius: 2 },
+        { label: 'USD\\u2192BRL', data: volUsdBrl, backgroundColor: _ct.flowColors[1], borderRadius: 2 },
+        { label: 'USD\\u2192USD', data: volUsdUsd, backgroundColor: _ct.flowColors[2], borderRadius: 2 }
+      ]
+    },
+    options: {
+      responsive: true, maintainAspectRatio: false,
+      plugins: {
+        legend: { position: 'top', labels: { font: { size: 11, weight: 600 }, padding: 12 } },
+        tooltip: { callbacks: { label: function(ctx) { return ctx.dataset.label + ': ' + fmtUSD(ctx.raw); } } }
+      },
+      scales: {
+        x: { stacked: true, grid: { display: false }, ticks: { font: { size: 10 }, maxRotation: 45 } },
+        y: { stacked: true, grid: { color: _ct.grid }, ticks: { callback: function(v){return fmtUSD(v);}, font: { size: 10 } } }
+      }
+    }
+  });
+  } catch(e) { console.warn('Chart volFlow:', e.message); }
+
+  // Netting timeline chart
+  _renderNettingChart(d, currentNettingGran);
+}
+
+// === Feature 1: Click-to-hide Client Chart ===
+function _updateClientChart(d) {
+  if (typeof Chart === 'undefined') return;
+  var _ct = getChartTheme();
+  if (chartTopClients) { try { chartTopClients.destroy(); } catch(e) {} }
+  var visible = d.topClients.filter(function(_, i) { return !_hiddenClients.has(i); });
+  var clientNames = visible.map(function(c) { return c.nome.length > 25 ? c.nome.slice(0, 22) + '...' : c.nome; });
+  var clientVols = visible.map(function(c) { return c.vol_usd; });
+  try {
+  chartTopClients = new Chart(document.getElementById('chartTopClients'), {
+    type: 'bar',
+    data: {
+      labels: clientNames,
+      datasets: [{
+        label: 'Volume USD', data: clientVols,
+        backgroundColor: _ct.clientBar, borderColor: _ct.clientBorder,
+        borderWidth: 1, borderRadius: 4
+      }]
+    },
+    options: {
+      responsive: true, maintainAspectRatio: false, indexAxis: 'y',
+      onClick: function(evt, elements) {
+        if (!elements.length) return;
+        var clickedVisIdx = elements[0].index;
+        // Map back to original index
+        var origIdx = -1, visCount = -1;
+        for (var i = 0; i < d.topClients.length; i++) {
+          if (!_hiddenClients.has(i)) visCount++;
+          if (visCount === clickedVisIdx) { origIdx = i; break; }
+        }
+        if (origIdx >= 0) {
+          _hiddenClients.add(origIdx);
+          _updateClientChart(d);
+          document.getElementById('btnResetClients').style.display = _hiddenClients.size ? '' : 'none';
+        }
+      },
+      plugins: {
+        legend: { display: false },
+        tooltip: { callbacks: { label: function(ctx) { return fmtUSD(ctx.raw) + ' (' + visible[ctx.dataIndex].qtd + ' ops)'; } } }
+      },
+      scales: {
+        x: { grid: { color: _ct.grid }, ticks: { callback: function(v){return fmtUSD(v);}, font: { size: 10 } } },
+        y: { grid: { display: false }, ticks: { font: { size: 11, weight: 600 } } }
+      }
+    }
+  });
+  } catch(e) { console.warn('Chart clients:', e.message); }
+}
+
+function _resetClientFilter() {
+  _hiddenClients.clear();
+  if (_biData) _updateClientChart(_biData);
+  document.getElementById('btnResetClients').style.display = 'none';
+}
+// Expose to onclick
+window._resetClientFilter = _resetClientFilter;
+
+// === Feature 2: Risk Table Filter ===
+function _filterRiskTable(threshold) {
+  _riskThreshold = threshold;
+  if (!_biData) return;
+  var filtered = _biData.clientsAtRisk.filter(function(c) { return c.days_inactive >= threshold; });
+  var riskBody = document.getElementById('riskTableBody');
+  if (filtered.length === 0) {
+    riskBody.innerHTML = '<tr><td colspan="4" style="text-align:center;color:var(--green);font-weight:600;">Nenhum cliente em risco (' + threshold + 'd+)</td></tr>';
+  } else {
+    riskBody.innerHTML = filtered.map(function(c) {
+      return '<tr><td style="font-weight:600;">' + (c.nome.length > 30 ? c.nome.slice(0,27)+'...' : c.nome) + '</td>' +
+        '<td style="color:var(--red);">' + c.last_op.slice(0,10) + '</td>' +
+        '<td style="color:var(--text-muted);">' + c.days_inactive + 'd</td>' +
+        '<td>' + fmtUSD(c.vol_usd) + '</td></tr>';
+    }).join('');
+  }
+  // Update button active state
+  document.querySelectorAll('.risk-threshold-btn').forEach(function(b) {
+    b.classList.toggle('active', Number(b.dataset.risk) === threshold);
+  });
+}
+
+// === Feature 3: Netting Timeline Chart ===
+function _aggregateNetting(trendBrlUsd, trendUsdBrl, gran) {
+  // Build daily map: saida (BRL->USD) and entrada (USD->BRL)
+  var dayMap = {};
+  trendBrlUsd.forEach(function(t) {
+    if (!dayMap[t.dia]) dayMap[t.dia] = { saida: 0, entrada: 0 };
+    dayMap[t.dia].saida += t.vol_usd;
+  });
+  trendUsdBrl.forEach(function(t) {
+    if (!dayMap[t.dia]) dayMap[t.dia] = { saida: 0, entrada: 0 };
+    dayMap[t.dia].entrada += t.vol_usd;
+  });
+
+  var days = Object.keys(dayMap).sort();
+  if (gran === 'D') {
+    return days.map(function(day) {
+      var p = day.split('-');
+      return { label: p[2] + '/' + p[1], saida: dayMap[day].saida, entrada: dayMap[day].entrada, posicao: dayMap[day].entrada - dayMap[day].saida };
+    });
+  }
+
+  // Group by week or month
+  var grouped = {};
+  days.forEach(function(day) {
+    var key;
+    if (gran === 'W') {
+      var dt = new Date(day);
+      var thu = new Date(dt); thu.setDate(dt.getDate() - ((dt.getDay() + 6) % 7) + 3);
+      var y = thu.getFullYear();
+      var w = Math.ceil((((thu - new Date(y,0,4)) / 86400000) + new Date(y,0,4).getDay() + 1) / 7);
+      key = 'W' + (w < 10 ? '0' : '') + w + '/' + String(y).slice(2);
+    } else {
+      var p = day.split('-');
+      key = p[1] + '/' + p[0].slice(2);
+    }
+    if (!grouped[key]) grouped[key] = { saida: 0, entrada: 0 };
+    grouped[key].saida += dayMap[day].saida;
+    grouped[key].entrada += dayMap[day].entrada;
+  });
+
+  return Object.keys(grouped).map(function(key) {
+    return { label: key, saida: grouped[key].saida, entrada: grouped[key].entrada, posicao: grouped[key].entrada - grouped[key].saida };
+  });
+}
+
+function _renderNettingChart(d, gran) {
+  if (typeof Chart === 'undefined') return;
+  var _ct = getChartTheme();
+  if (chartNetting) { try { chartNetting.destroy(); } catch(e) {} }
+
+  var data = _aggregateNetting(d.trend.brlUsd, d.trend.usdBrl, gran);
+  var labels = data.map(function(r) { return r.label; });
+  var saidaData = data.map(function(r) { return r.saida; });
+  var entradaData = data.map(function(r) { return r.entrada; });
+  var posicaoData = data.map(function(r) { return r.posicao; });
+
+  var isDark = document.documentElement.getAttribute('data-theme') === 'dark';
+
+  try {
+  chartNetting = new Chart(document.getElementById('chartNetting'), {
+    type: 'bar',
+    data: {
+      labels: labels,
+      datasets: [
+        {
+          label: 'Saida (BRL\\u2192USD)', data: saidaData, type: 'bar',
+          backgroundColor: isDark ? 'rgba(255,68,68,0.2)' : 'rgba(217,48,37,0.15)',
+          borderColor: isDark ? 'rgba(255,68,68,0.5)' : 'rgba(217,48,37,0.4)',
+          borderWidth: 1, borderRadius: 3, stack: 'flow', order: 2
+        },
+        {
+          label: 'Entrada (USD\\u2192BRL)', data: entradaData, type: 'bar',
+          backgroundColor: isDark ? 'rgba(0,255,136,0.2)' : 'rgba(30,142,62,0.15)',
+          borderColor: isDark ? 'rgba(0,255,136,0.5)' : 'rgba(30,142,62,0.4)',
+          borderWidth: 1, borderRadius: 3, stack: 'flow', order: 2
+        },
+        {
+          label: 'Posicao Liquida', data: posicaoData, type: 'line',
+          borderColor: isDark ? '#58A6FF' : '#1A73E8',
+          backgroundColor: 'transparent',
+          borderWidth: 2, pointRadius: 3, pointHoverRadius: 6,
+          tension: 0.3, order: 1
+        }
+      ]
+    },
+    options: {
+      responsive: true, maintainAspectRatio: false, interaction: { mode: 'index', intersect: false },
+      plugins: {
+        legend: { position: 'top', labels: { font: { size: 11, weight: 600 }, padding: 10, boxWidth: 12 } },
+        tooltip: {
+          callbacks: {
+            label: function(ctx) { return ctx.dataset.label + ': ' + fmtUSD(ctx.raw); }
+          }
+        }
+      },
+      scales: {
+        x: { stacked: false, grid: { display: false }, ticks: { font: { size: 10 }, maxRotation: 45 } },
+        y: { grid: { color: _ct.grid }, ticks: { callback: function(v){return fmtUSD(v);}, font: { size: 10 } } }
+      }
+    }
+  });
+  } catch(e) { console.warn('Chart netting:', e.message); }
 }
 
 // === Main Data Loader ===
@@ -947,9 +1621,10 @@ async function loadBI() {
     if (!resp.ok) { document.getElementById('periodInfo').textContent = 'Erro HTTP ' + resp.status; return; }
     const d = await resp.json();
     if (d.error) { document.getElementById('periodInfo').textContent = 'Erro: ' + d.error; return; }
+    _biData = d;
 
     // Hero KPIs
-    document.getElementById('kpiSpreadRevenue').textContent = fmtBRL(d.kpis.total.spread_revenue);
+    document.getElementById('kpiSpreadRevenue').textContent = fmtUSD(d.kpis.total.spread_revenue);
     const sBadge = fmtPct(d.kpis.total.spread_revenue, d.comparison.prev_spread);
     document.getElementById('kpiSpreadBadge').textContent = sBadge.text;
     document.getElementById('kpiSpreadBadge').className = 'hero-badge ' + sBadge.cls;
@@ -971,120 +1646,8 @@ async function loadBI() {
     const avgSpread = d.kpis.brlUsd.avg_spread_pct || d.kpis.usdBrl.avg_spread_pct || 0;
     document.getElementById('spreadBadge').textContent = 'Media: ' + avgSpread.toFixed(2) + '%';
 
-    // === Charts (wrapped individually so data tables render even if Chart.js fails) ===
-    var _hasChart = typeof Chart !== 'undefined';
-
-    // Donut: Revenue por Corredor
-    if (_hasChart) { try { destroyCharts();
-    chartDonut = new Chart(document.getElementById('chartDonut'), {
-      type: 'doughnut',
-      data: {
-        labels: ['BRL \u2192 USD', 'USD \u2192 BRL'],
-        datasets: [{
-          data: [d.kpis.brlUsd.spread_revenue, d.kpis.usdBrl.spread_revenue],
-          backgroundColor: ['#58A6FF', '#00FF88'],
-          borderWidth: 0, hoverOffset: 8
-        }]
-      },
-      options: {
-        responsive: true, maintainAspectRatio: false,
-        plugins: {
-          legend: { position: 'bottom', labels: { padding: 16, font: { size: 12, weight: 600 } } },
-          tooltip: { callbacks: { label: ctx => ctx.label + ': ' + fmtBRL(ctx.raw) } }
-        },
-        cutout: '65%'
-      }
-    });
-    } catch(e) { console.warn('Chart donut:', e.message); } }
-
-    // Spread Trend + Volume Line Chart
-    const allDays = new Set();
-    d.trend.brlUsd.forEach(t => allDays.add(t.dia));
-    d.trend.usdBrl.forEach(t => allDays.add(t.dia));
-    d.trend.usdUsd.forEach(t => allDays.add(t.dia));
-    const days = [...allDays].sort();
-    const labels = days.map(d => { const p = d.split('-'); return p[2] + '/' + p[1]; });
-
-    const spreadByDay = {};
-    const volByDay = {};
-    days.forEach(day => { spreadByDay[day] = []; volByDay[day] = 0; });
-    d.trend.brlUsd.forEach(t => { spreadByDay[t.dia].push(t.avg_spread); volByDay[t.dia] += t.vol_usd; });
-    d.trend.usdBrl.forEach(t => { spreadByDay[t.dia].push(t.avg_spread); volByDay[t.dia] += t.vol_usd; });
-    d.trend.usdUsd.forEach(t => { volByDay[t.dia] += t.vol_usd; });
-
-    const avgSpreads = days.map(day => {
-      const vals = spreadByDay[day];
-      return vals.length > 0 ? vals.reduce((a,b) => a+b, 0) / vals.length : null;
-    });
-    const volumes = days.map(day => volByDay[day]);
-
-    if (_hasChart) { try {
-    chartSpreadTrend = new Chart(document.getElementById('chartSpreadTrend'), {
-      type: 'bar',
-      data: {
-        labels,
-        datasets: [
-          {
-            label: 'Volume USD', data: volumes, type: 'bar',
-            backgroundColor: 'rgba(88,166,255,0.15)', borderColor: 'rgba(88,166,255,0.4)',
-            borderWidth: 1, borderRadius: 4, yAxisID: 'y', order: 2
-          },
-          {
-            label: 'Spread Medio %', data: avgSpreads, type: 'line',
-            borderColor: '#00FF88', backgroundColor: 'rgba(0,255,136,0.1)',
-            borderWidth: 2, pointRadius: 2, pointHoverRadius: 5, fill: true,
-            tension: 0.3, yAxisID: 'y1', order: 1, spanGaps: true
-          }
-        ]
-      },
-      options: {
-        responsive: true, maintainAspectRatio: false, interaction: { mode: 'index', intersect: false },
-        plugins: {
-          legend: { position: 'top', labels: { font: { size: 11, weight: 600 }, padding: 12 } },
-          tooltip: {
-            callbacks: {
-              label: ctx => ctx.dataset.label === 'Volume USD'
-                ? 'Volume: ' + fmtUSD(ctx.raw)
-                : 'Spread: ' + (ctx.raw !== null ? ctx.raw.toFixed(2) + '%' : 'N/A')
-            }
-          }
-        },
-        scales: {
-          y: { position: 'left', grid: { color: 'rgba(0,255,136,0.06)' }, ticks: { callback: v => fmtUSD(v), font: { size: 10 } } },
-          y1: { position: 'right', grid: { display: false }, ticks: { callback: v => v.toFixed(1) + '%', font: { size: 10 } }, min: 0 },
-          x: { grid: { display: false }, ticks: { font: { size: 10 }, maxRotation: 45 } }
-        }
-      }
-    });
-    } catch(e) { console.warn('Chart spread:', e.message); } }
-
-    // Top 10 Clients Horizontal Bar
-    const clientNames = d.topClients.map(c => c.nome.length > 25 ? c.nome.slice(0, 22) + '...' : c.nome);
-    const clientVols = d.topClients.map(c => c.vol_usd);
-    if (_hasChart) { try {
-    chartTopClients = new Chart(document.getElementById('chartTopClients'), {
-      type: 'bar',
-      data: {
-        labels: clientNames,
-        datasets: [{
-          label: 'Volume USD', data: clientVols,
-          backgroundColor: 'rgba(188,140,255,0.15)', borderColor: 'rgba(188,140,255,0.5)',
-          borderWidth: 1, borderRadius: 4
-        }]
-      },
-      options: {
-        responsive: true, maintainAspectRatio: false, indexAxis: 'y',
-        plugins: {
-          legend: { display: false },
-          tooltip: { callbacks: { label: ctx => fmtUSD(ctx.raw) + ' (' + d.topClients[ctx.dataIndex].qtd + ' ops)' } }
-        },
-        scales: {
-          x: { grid: { color: 'rgba(0,255,136,0.06)' }, ticks: { callback: v => fmtUSD(v), font: { size: 10 } } },
-          y: { grid: { display: false }, ticks: { font: { size: 11, weight: 600 } } }
-        }
-      }
-    });
-    } catch(e) { console.warn('Chart clients:', e.message); } }
+    // === Charts ===
+    _renderBICharts(d);
 
     // Retention
     document.getElementById('retentionValue').textContent = d.retention.rate + '%';
@@ -1094,47 +1657,14 @@ async function loadBI() {
     retEl.className = 'gauge-value ' + (d.retention.rate >= 70 ? 'green' : d.retention.rate >= 40 ? 'blue' : 'red');
     document.getElementById('retentionBar').className = 'gauge-bar-fill ' + (d.retention.rate >= 70 ? 'green' : d.retention.rate >= 40 ? 'blue' : 'red');
 
-    // Clients at risk table
-    const riskBody = document.getElementById('riskTableBody');
-    if (d.clientsAtRisk.length === 0) {
-      riskBody.innerHTML = '<tr><td colspan="3" style="text-align:center;color:var(--green);font-weight:600;">Nenhum cliente em risco</td></tr>';
-    } else {
-      riskBody.innerHTML = d.clientsAtRisk.map(c =>
-        '<tr><td style="font-weight:600;">' + (c.nome.length > 30 ? c.nome.slice(0,27)+'...' : c.nome) + '</td>' +
-        '<td style="color:var(--red);">' + c.last_op.slice(0,10) + '</td>' +
-        '<td>' + fmtUSD(c.vol_usd) + '</td></tr>'
-      ).join('');
-    }
+    // Retention breakdown: novos and perdidos
+    var retNovos = d.kpis.total.clientes - d.retention.retained;
+    var retPerdidos = d.retention.prev_clients - d.retention.retained;
+    document.getElementById('retNovos').textContent = '+' + Math.max(0, retNovos) + ' novos';
+    document.getElementById('retPerdidos').textContent = '-' + Math.max(0, retPerdidos) + ' perdidos';
 
-    // === Volume by Flow Stacked Chart ===
-    const volBrlUsd = days.map(day => { const t = d.trend.brlUsd.find(x => x.dia === day); return t ? t.vol_usd : 0; });
-    const volUsdBrl = days.map(day => { const t = d.trend.usdBrl.find(x => x.dia === day); return t ? t.vol_usd : 0; });
-    const volUsdUsd = days.map(day => { const t = d.trend.usdUsd.find(x => x.dia === day); return t ? t.vol_usd : 0; });
-
-    if (_hasChart) { try {
-    chartVolFlow = new Chart(document.getElementById('chartVolFlow'), {
-      type: 'bar',
-      data: {
-        labels,
-        datasets: [
-          { label: 'BRL\u2192USD', data: volBrlUsd, backgroundColor: '#58A6FF', borderRadius: 2 },
-          { label: 'USD\u2192BRL', data: volUsdBrl, backgroundColor: '#00FF88', borderRadius: 2 },
-          { label: 'USD\u2192USD', data: volUsdUsd, backgroundColor: '#BC8CFF', borderRadius: 2 }
-        ]
-      },
-      options: {
-        responsive: true, maintainAspectRatio: false,
-        plugins: {
-          legend: { position: 'top', labels: { font: { size: 11, weight: 600 }, padding: 12 } },
-          tooltip: { callbacks: { label: ctx => ctx.dataset.label + ': ' + fmtUSD(ctx.raw) } }
-        },
-        scales: {
-          x: { stacked: true, grid: { display: false }, ticks: { font: { size: 10 }, maxRotation: 45 } },
-          y: { stacked: true, grid: { color: 'rgba(0,255,136,0.06)' }, ticks: { callback: v => fmtUSD(v), font: { size: 10 } } }
-        }
-      }
-    });
-    } catch(e) { console.warn('Chart volFlow:', e.message); } }
+    // Clients at risk table (filtered by threshold)
+    _filterRiskTable(_riskThreshold);
 
     // Netting
     document.getElementById('nettingSaida').textContent = fmtUSD(d.netting.saida_usd);
@@ -1158,7 +1688,7 @@ async function loadBI() {
           '<td style="font-weight:600;">' + a.nome + '</td>' +
           '<td>' + fmtUSD(a.vol_usd) + '</td>' +
           '<td>' + fmtNum(a.qtd) + '</td>' +
-          '<td style="color:var(--green);font-weight:600;">' + fmtBRL(a.spread_revenue) + '</td>' +
+          '<td style="color:var(--green);font-weight:600;">' + fmtUSD(a.spread_revenue) + '</td>' +
           '<td>' + a.clientes + '</td></tr>';
       }).join('');
     }
@@ -1204,18 +1734,71 @@ function destroyRevCharts() {
   [chartRevTimeline, chartRevDonut].forEach(c => { if (c) c.destroy(); });
 }
 
-// Color palette for products
-const productColors = {
-  'BR\u2192US: Checkout': '#58A6FF',
-  'BR\u2192US: CambioTransfer': '#82BFFF',
-  'US\u2192BR: balance': '#00FF88',
-  'US\u2192BR: desconhecido': '#66FFB2',
-  'US\u2192BR: swift': '#00BFA5',
-  'US\u2192BR: wire': '#4DD0A0',
-  'US\u2192BR: pix': '#33FF99',
-};
-function getProductColor(produto, i) {
-  return productColors[produto] || ['#BC8CFF','#D4A5FF','#F9A825','#FF7043','#78909C','#FF6B9D','#7C8CFF','#A1887F'][i % 8];
+function _renderRevCharts(d) {
+  if (typeof Chart === 'undefined' || !d.timeline || !d.totals) return;
+  var _ct = getChartTheme();
+  try { destroyRevCharts(); } catch(e) {}
+
+  var periods = [...new Set(d.timeline.map(function(r){return r.periodo_label;}))].sort();
+  var products = [...new Set(d.timeline.map(function(r){return r.produto;}))].sort();
+
+  var datasets = products.map(function(prod, i) {
+    return {
+      label: prod,
+      data: periods.map(function(p) {
+        var match = d.timeline.find(function(r){return r.periodo_label === p && r.produto === prod;});
+        return match ? match.receita : 0;
+      }),
+      backgroundColor: getProductColor(prod, i),
+      borderRadius: 3
+    };
+  });
+
+  var labels = periods.map(function(p) {
+    if (currentGran === 'dia') { var parts = p.split('-'); return parts[2] + '/' + parts[1]; }
+    if (currentGran === 'mes') { var parts = p.split('-'); return parts[1] + '/' + parts[0]; }
+    return p;
+  });
+
+  try {
+  chartRevTimeline = new Chart(document.getElementById('chartRevTimeline'), {
+    type: 'bar',
+    data: { labels: labels, datasets: datasets },
+    options: {
+      responsive: true, maintainAspectRatio: false,
+      plugins: {
+        legend: { position: 'top', labels: { font: { size: 11, weight: 600 }, padding: 10, boxWidth: 12 } },
+        tooltip: { callbacks: { label: function(ctx) { return ctx.dataset.label + ': ' + fmtUSD(ctx.raw); } } }
+      },
+      scales: {
+        x: { stacked: true, grid: { display: false }, ticks: { font: { size: 10 }, maxRotation: 45 } },
+        y: { stacked: true, grid: { color: _ct.grid }, ticks: { callback: function(v){return fmtUSD(v);}, font: { size: 10 } } }
+      }
+    }
+  });
+  } catch(e) { console.warn('Chart revTimeline:', e.message); }
+
+  var donutData = d.totals.map(function(t){return t.receita;});
+  var donutLabels = d.totals.map(function(t){return t.produto;});
+  var donutColors = d.totals.map(function(t, i){return getProductColor(t.direcao + ': ' + t.tipo, i);});
+
+  try {
+  chartRevDonut = new Chart(document.getElementById('chartRevDonut'), {
+    type: 'doughnut',
+    data: {
+      labels: donutLabels,
+      datasets: [{ data: donutData, backgroundColor: donutColors, borderWidth: 0, hoverOffset: 8 }]
+    },
+    options: {
+      responsive: true, maintainAspectRatio: false,
+      plugins: {
+        legend: { position: 'bottom', labels: { padding: 12, font: { size: 11, weight: 600 }, boxWidth: 12 } },
+        tooltip: { callbacks: { label: function(ctx) { return ctx.label + ': ' + fmtUSD(ctx.raw) + ' (' + d.totals[ctx.dataIndex].qtd + ' ops)'; } } }
+      },
+      cutout: '60%'
+    }
+  });
+  } catch(e) { console.warn('Chart revDonut:', e.message); }
 }
 
 async function loadRevenue() {
@@ -1227,6 +1810,7 @@ async function loadRevenue() {
 
     if (d.error) { document.getElementById('revenueStatus').textContent = 'Erro: ' + d.error; return; }
     if (!d.summary || !d.timeline) { document.getElementById('revenueStatus').textContent = 'Dados incompletos'; return; }
+    _revenueData = d;
 
     // KPI cards
     document.getElementById('revTotal').textContent = fmtUSD(d.summary.total_receita);
@@ -1236,69 +1820,8 @@ async function loadRevenue() {
     document.getElementById('revTicket').textContent = fmtUSD(d.summary.ticket_medio_receita);
     document.getElementById('revGranBadge').textContent = currentGran;
 
-    // Get unique periods and products
-    const periods = [...new Set(d.timeline.map(r => r.periodo_label))].sort();
-    const products = [...new Set(d.timeline.map(r => r.produto))].sort();
-
-    // Build datasets for stacked bar
-    const datasets = products.map((prod, i) => ({
-      label: prod,
-      data: periods.map(p => {
-        const match = d.timeline.find(r => r.periodo_label === p && r.produto === prod);
-        return match ? match.receita : 0;
-      }),
-      backgroundColor: getProductColor(prod, i),
-      borderRadius: 3
-    }));
-
-    // Stacked bar chart
-    destroyRevCharts();
-    const labels = periods.map(p => {
-      if (currentGran === 'dia') { const parts = p.split('-'); return parts[2] + '/' + parts[1]; }
-      if (currentGran === 'mes') { const parts = p.split('-'); return parts[1] + '/' + parts[0]; }
-      return p;
-    });
-
-    if (typeof Chart !== 'undefined') { try {
-    chartRevTimeline = new Chart(document.getElementById('chartRevTimeline'), {
-      type: 'bar',
-      data: { labels, datasets },
-      options: {
-        responsive: true, maintainAspectRatio: false,
-        plugins: {
-          legend: { position: 'top', labels: { font: { size: 11, weight: 600 }, padding: 10, boxWidth: 12 } },
-          tooltip: { callbacks: { label: ctx => ctx.dataset.label + ': ' + fmtUSD(ctx.raw) } }
-        },
-        scales: {
-          x: { stacked: true, grid: { display: false }, ticks: { font: { size: 10 }, maxRotation: 45 } },
-          y: { stacked: true, grid: { color: 'rgba(0,255,136,0.06)' }, ticks: { callback: v => fmtUSD(v), font: { size: 10 } } }
-        }
-      }
-    });
-    } catch(e) { console.warn('Chart revTimeline:', e.message); } }
-
-    // Donut chart by product
-    const donutData = d.totals.map(t => t.receita);
-    const donutLabels = d.totals.map(t => t.produto);
-    const donutColors = d.totals.map((t, i) => getProductColor(t.direcao + ': ' + t.tipo, i));
-
-    if (typeof Chart !== 'undefined') { try {
-    chartRevDonut = new Chart(document.getElementById('chartRevDonut'), {
-      type: 'doughnut',
-      data: {
-        labels: donutLabels,
-        datasets: [{ data: donutData, backgroundColor: donutColors, borderWidth: 0, hoverOffset: 8 }]
-      },
-      options: {
-        responsive: true, maintainAspectRatio: false,
-        plugins: {
-          legend: { position: 'bottom', labels: { padding: 12, font: { size: 11, weight: 600 }, boxWidth: 12 } },
-          tooltip: { callbacks: { label: ctx => ctx.label + ': ' + fmtUSD(ctx.raw) + ' (' + d.totals[ctx.dataIndex].qtd + ' ops)' } }
-        },
-        cutout: '60%'
-      }
-    });
-    } catch(e) { console.warn('Chart revDonut:', e.message); } }
+    // Charts
+    _renderRevCharts(d);
 
     // Detailed table
     const tbody = document.getElementById('revTableBody');
@@ -1343,7 +1866,7 @@ async function loadRevenue() {
   }
 }
 
-// Granularity buttons
+// Granularity buttons (Revenue)
 document.querySelectorAll('.gran-btn').forEach(btn => {
   btn.addEventListener('click', () => {
     document.querySelectorAll('.gran-btn').forEach(b => b.classList.remove('active'));
@@ -1353,6 +1876,195 @@ document.querySelectorAll('.gran-btn').forEach(btn => {
   });
 });
 
+// Risk threshold buttons
+document.querySelectorAll('.risk-threshold-btn').forEach(btn => {
+  btn.addEventListener('click', () => {
+    _filterRiskTable(Number(btn.dataset.risk));
+  });
+});
+
+// Netting granularity buttons
+document.querySelectorAll('.netting-gran-btn').forEach(btn => {
+  btn.addEventListener('click', () => {
+    document.querySelectorAll('.netting-gran-btn').forEach(b => b.classList.remove('active'));
+    btn.classList.add('active');
+    currentNettingGran = btn.dataset.nettingGran;
+    if (_biData) _renderNettingChart(_biData, currentNettingGran);
+  });
+});
+
+// === STRATEGIC DATA (Cohorts, Expansion, Cross-sell, Maturity) ===
+var _strategicData = null;
+var chartWaterfall, chartExpDonut, chartCrossSell, chartMaturity;
+
+function destroyStrategicCharts() {
+  [chartWaterfall, chartExpDonut, chartCrossSell, chartMaturity].forEach(function(c){ if(c) c.destroy(); });
+  chartWaterfall = chartExpDonut = chartCrossSell = chartMaturity = null;
+}
+
+async function loadStrategic() {
+  try {
+    var resp = await fetch('/admin/api/bi/strategic?start=' + currentStart + '&end=' + currentEnd);
+    if (!resp.ok) return;
+    var d = await resp.json();
+    if (d.error) return;
+    _strategicData = d;
+    renderStrategic(d);
+  } catch(e) { console.warn('Strategic load:', e.message); }
+}
+
+function renderStrategic(d) {
+  var t = getChartTheme();
+  renderExpansion(d.expansion, t);
+  renderCrossSell(d.crossSell, t);
+  renderMaturity(d.maturity, t);
+  renderCohort(d.cohorts, t);
+}
+
+// --- Expansion / Contraction ---
+function renderExpansion(exp, t) {
+  document.getElementById('wfNewCount').textContent = exp.new_clients.count;
+  document.getElementById('wfNewRev').textContent = '+' + fmtUSD(exp.new_clients.revenue);
+  document.getElementById('wfExpCount').textContent = exp.expansion.count;
+  document.getElementById('wfExpRev').textContent = '+' + fmtUSD(exp.expansion.revenue);
+  document.getElementById('wfStaCount').textContent = exp.stable.count;
+  document.getElementById('wfStaRev').textContent = fmtUSD(exp.stable.revenue);
+  document.getElementById('wfConCount').textContent = exp.contraction.count;
+  document.getElementById('wfConRev').textContent = fmtUSD(exp.contraction.revenue);
+  document.getElementById('wfChurnCount').textContent = exp.churned.count;
+  document.getElementById('wfChurnRev').textContent = fmtUSD(exp.churned.revenue);
+
+  if (typeof Chart === 'undefined') return;
+  try { if (chartWaterfall) chartWaterfall.destroy(); } catch(e){}
+  try { if (chartExpDonut) chartExpDonut.destroy(); } catch(e){}
+
+  var labels = ['Novos','Expansao','Estavel','Contracao','Churned'];
+  var values = [exp.new_clients.revenue, exp.expansion.revenue, exp.stable.revenue, exp.contraction.revenue, exp.churned.revenue];
+  var colors = [t.blue || '#58A6FF', t.healthGreen || '#00FF88', t.text || '#94A3B8', t.healthOrange || '#F0883E', t.healthRed || '#FF4444'];
+  var bgColors = colors.map(function(c,i){ return i===2 ? (t.grid || 'rgba(0,0,0,0.1)') : c; });
+
+  try {
+  chartWaterfall = new Chart(document.getElementById('chartWaterfall'), {
+    type: 'bar', data: {
+      labels: labels,
+      datasets: [{ label: 'Receita R$', data: values, backgroundColor: bgColors, borderColor: colors, borderWidth: 1, borderRadius: 6 }]
+    }, options: {
+      responsive: true, maintainAspectRatio: false,
+      plugins: { legend:{display:false}, tooltip:{callbacks:{label:function(ctx){ return ctx.label+': '+fmtUSD(ctx.raw); }}} },
+      scales: { y:{grid:{color:t.grid}, ticks:{callback:function(v){return fmtUSD(v);}, font:{size:10}}}, x:{grid:{display:false}, ticks:{font:{size:11,weight:600}}} }
+    }
+  }); } catch(e){ console.warn('chartWaterfall:', e.message); }
+
+  var counts = [exp.new_clients.count, exp.expansion.count, exp.stable.count, exp.contraction.count, exp.churned.count];
+  try {
+  chartExpDonut = new Chart(document.getElementById('chartExpDonut'), {
+    type: 'doughnut', data: {
+      labels: labels, datasets: [{ data: counts, backgroundColor: colors, borderWidth: 0, hoverOffset: 8 }]
+    }, options: {
+      responsive: true, maintainAspectRatio: false, cutout: '60%',
+      plugins: { legend:{position:'bottom', labels:{padding:12, font:{size:11,weight:600}}},
+        tooltip:{callbacks:{label:function(ctx){ var total=ctx.dataset.data.reduce(function(a,b){return a+b;},0); return ctx.label+': '+ctx.raw+' ('+(total>0?(ctx.raw/total*100).toFixed(0)+'%':'0%')+')'; }}} }
+    }
+  }); } catch(e){ console.warn('chartExpDonut:', e.message); }
+}
+
+// --- Cross-sell ---
+function renderCrossSell(cs, t) {
+  if (typeof Chart === 'undefined') return;
+  try { if (chartCrossSell) chartCrossSell.destroy(); } catch(e){}
+
+  var labels = ['CambioPay Only','CambioCheckout Only','Ambos'];
+  var counts = [cs.pay_only.count, cs.checkout_only.count, cs.both.count];
+  var vols = [cs.pay_only.vol, cs.checkout_only.vol, cs.both.vol];
+  var colors = [t.blue || '#58A6FF', t.healthGreen || '#00FF88', t.purple || '#BC8CFF'];
+
+  try {
+  chartCrossSell = new Chart(document.getElementById('chartCrossSell'), {
+    type: 'doughnut', data: {
+      labels: labels, datasets: [{ data: counts, backgroundColor: colors, borderWidth: 0, hoverOffset: 8 }]
+    }, options: {
+      responsive: true, maintainAspectRatio: false, cutout: '60%',
+      plugins: { legend:{position:'bottom', labels:{padding:10, font:{size:11,weight:600}}},
+        tooltip:{callbacks:{label:function(ctx){ return ctx.label+': '+ctx.raw+' clientes'; }}} }
+    }
+  }); } catch(e){}
+
+  var total = counts.reduce(function(a,b){return a+b;},0) || 1;
+  var barsHtml = '';
+  var segLabels = ['CambioPay','Checkout','Ambos'];
+  counts.forEach(function(cnt, i) {
+    var pct = Math.round(cnt / total * 100);
+    barsHtml += '<div class="seg-row"><span class="seg-label">'+segLabels[i]+'</span>' +
+      '<div class="seg-bar-wrap"><div class="seg-bar-fill" style="width:'+pct+'%;background:'+colors[i]+';"><span class="seg-bar-text">'+pct+'%</span></div></div>' +
+      '<span class="seg-count">'+cnt+' | '+fmtUSD(vols[i])+'</span></div>';
+  });
+  document.getElementById('crossSellBars').innerHTML = barsHtml;
+}
+
+// --- Client Maturity ---
+function renderMaturity(mat, t) {
+  if (typeof Chart === 'undefined') return;
+  try { if (chartMaturity) chartMaturity.destroy(); } catch(e){}
+
+  var labels = ['Novo (<3m)','Crescendo (3-12m)','Maduro (12m+)','Declinando'];
+  var counts = [mat.new_client.count, mat.growing.count, mat.mature.count, mat.declining.count];
+  var vols = [mat.new_client.vol, mat.growing.vol, mat.mature.vol, mat.declining.vol];
+  var colors = [t.blue || '#58A6FF', t.healthGreen || '#00FF88', t.purple || '#BC8CFF', t.healthOrange || '#F0883E'];
+
+  try {
+  chartMaturity = new Chart(document.getElementById('chartMaturity'), {
+    type: 'doughnut', data: {
+      labels: labels, datasets: [{ data: counts, backgroundColor: colors, borderWidth: 0, hoverOffset: 8 }]
+    }, options: {
+      responsive: true, maintainAspectRatio: false, cutout: '60%',
+      plugins: { legend:{position:'bottom', labels:{padding:10, font:{size:11,weight:600}}},
+        tooltip:{callbacks:{label:function(ctx){ return ctx.label+': '+ctx.raw+' clientes'; }}} }
+    }
+  }); } catch(e){}
+
+  var total = counts.reduce(function(a,b){return a+b;},0) || 1;
+  var barsHtml = '';
+  var segLabels = ['Novo','Crescendo','Maduro','Declinando'];
+  counts.forEach(function(cnt, i) {
+    var pct = Math.round(cnt / total * 100);
+    barsHtml += '<div class="seg-row"><span class="seg-label">'+segLabels[i]+'</span>' +
+      '<div class="seg-bar-wrap"><div class="seg-bar-fill" style="width:'+pct+'%;background:'+colors[i]+';"><span class="seg-bar-text">'+pct+'%</span></div></div>' +
+      '<span class="seg-count">'+cnt+' | '+fmtUSD(vols[i])+'</span></div>';
+  });
+  document.getElementById('maturityBars').innerHTML = barsHtml;
+}
+
+// --- Cohort Retention Heatmap ---
+function renderCohort(cohorts, t) {
+  if (!cohorts || !cohorts.length) return;
+  var maxCols = 0;
+  cohorts.forEach(function(c) { if (c.retention.length > maxCols) maxCols = c.retention.length; });
+  maxCols = Math.min(maxCols, 13);
+
+  var headHtml = '<tr><th>Cohort</th><th>Clientes</th>';
+  for (var i = 0; i < maxCols; i++) headHtml += '<th>M' + i + '</th>';
+  headHtml += '</tr>';
+  document.getElementById('cohortHead').innerHTML = headHtml;
+
+  var isDark = document.documentElement.getAttribute('data-theme') === 'dark';
+  var bodyHtml = '';
+  cohorts.forEach(function(c) {
+    bodyHtml += '<tr><td style="font-weight:700;">' + c.month + '</td><td>' + c.size + '</td>';
+    for (var i = 0; i < maxCols; i++) {
+      var val = c.retention[i] != null ? c.retention[i] : '';
+      if (val === '') { bodyHtml += '<td></td>'; continue; }
+      var bg, fg;
+      if (val >= 80) { bg = isDark ? 'rgba(0,255,136,0.35)' : 'rgba(30,142,62,0.25)'; fg = isDark ? '#00FF88' : '#1E8E3E'; }
+      else if (val >= 50) { bg = isDark ? 'rgba(88,166,255,0.25)' : 'rgba(26,115,232,0.18)'; fg = isDark ? '#58A6FF' : '#1A73E8'; }
+      else if (val >= 25) { bg = isDark ? 'rgba(240,136,62,0.25)' : 'rgba(240,136,62,0.15)'; fg = isDark ? '#F0883E' : '#E8710A'; }
+      else { bg = isDark ? 'rgba(255,68,68,0.2)' : 'rgba(217,48,37,0.12)'; fg = isDark ? '#FF4444' : '#D93025'; }
+      bodyHtml += '<td class="cohort-cell" style="background:'+bg+';color:'+fg+';">'+val+'%</td>';
+    }
+    bodyHtml += '</tr>';
+  });
+  document.getElementById('cohortBody').innerHTML = bodyHtml;
+}
+
 // === Console Nav: Scroll Spy (highlight active section) ===
 (function() {
   var links = document.querySelectorAll('.console-nav-btn');
@@ -1389,19 +2101,21 @@ function _startBI() {
     var chartStatus = typeof Chart !== 'undefined' ? 'Chart.js v' + (Chart.version || '?') : 'Chart.js FALHOU' + (window._chartError ? ': ' + window._chartError : '');
     console.log(chartStatus);
 
-    // Chart.js Dark Terminal Defaults
-    if (typeof Chart !== 'undefined') {
-      Chart.defaults.color = '#94A3B8';
-      Chart.defaults.borderColor = 'rgba(0,255,136,0.06)';
-      Chart.defaults.plugins.legend.labels.color = '#94A3B8';
-      Chart.defaults.plugins.tooltip.backgroundColor = '#1A2332';
-      Chart.defaults.plugins.tooltip.titleColor = '#E2E8F0';
-      Chart.defaults.plugins.tooltip.bodyColor = '#94A3B8';
-      Chart.defaults.plugins.tooltip.borderColor = 'rgba(0,255,136,0.15)';
-      Chart.defaults.plugins.tooltip.borderWidth = 1;
-    }
-    loadBI(); loadRevenue(); fetchLiveRate();
+    // Apply theme-aware Chart.js defaults
+    applyChartDefaults(getChartTheme());
+
+    loadBI(); loadRevenue(); loadStrategic(); fetchLiveRate();
     setInterval(fetchLiveRate, 3000);
+
+    // Re-render charts on theme toggle
+    window.addEventListener('themechange', function(e) {
+      requestAnimationFrame(function() {
+        applyChartDefaults(getChartTheme());
+        if (_biData) { destroyCharts(); _renderBICharts(_biData); }
+        if (_revenueData) { destroyRevCharts(); _renderRevCharts(_revenueData); }
+        if (_strategicData) { destroyStrategicCharts(); renderStrategic(_strategicData); }
+      });
+    });
   } catch(e) {
     document.getElementById('periodInfo').textContent = 'Init erro: ' + e.message;
   }
diff --git a/src/admin-cliente.js b/src/admin-cliente.js
index 6d51010..998cfe6 100644
--- a/src/admin-cliente.js
+++ b/src/admin-cliente.js
@@ -1,6 +1,6 @@
 /**
- * Admin Cliente Dashboard - Visao 360 por Cliente
- * Admin-only: profile, KPIs, timeline, flow analysis, transactions, behavioral insights
+ * Admin Cliente Dashboard - Visao 360 Estrategica por Cliente
+ * Health Score, Churn Risk, Revenue Intelligence, Netting, Behavioral Insights
  */
 const { buildHeader, buildFooter, buildHead, getChartJsScript } = require('./ui-template');
 
@@ -15,17 +15,12 @@ function buildAdminClienteHTML(user) {
   const pageCSS = `
   html { scroll-behavior: smooth; scroll-padding-top: 20px; }
 
-  /* === TRADING CONSOLE: Light Mode === */
+  /* === TRADING CONSOLE === */
   body.trading-console {
-    --tc-accent: #1E8E3E;
-    --tc-accent-bg: rgba(30,142,62,0.08);
-    --tc-accent-border: rgba(30,142,62,0.15);
-    --tc-glass: rgba(255,255,255,0.85);
-    --tc-grid: rgba(0,0,0,0.06);
-    background: var(--bg); color: var(--text);
+    --tc-accent: #1E8E3E; --tc-accent-bg: rgba(30,142,62,0.08);
+    --tc-accent-border: rgba(30,142,62,0.15); --tc-glass: rgba(255,255,255,0.85);
+    --tc-grid: rgba(0,0,0,0.06); background: var(--bg); color: var(--text);
   }
-
-  /* === TRADING CONSOLE: Dark Mode === */
   [data-theme="dark"] body.trading-console {
     --bg: #0D1117; --card: #131A24; --text: #E2E8F0;
     --text-secondary: #94A3B8; --text-muted: #64748B;
@@ -42,51 +37,30 @@ function buildAdminClienteHTML(user) {
     background: #0A0F18 !important; color: var(--text); color-scheme: dark;
   }
 
-  /* Console Cards */
-  body.trading-console .hero-card,
-  body.trading-console .chart-card,
-  body.trading-console .metric-card,
-  body.trading-console .filter-bar,
-  body.trading-console .profile-card {
+  /* Cards */
+  body.trading-console .hero-card, body.trading-console .chart-card,
+  body.trading-console .metric-card, body.trading-console .filter-bar,
+  body.trading-console .profile-card, body.trading-console .intel-card {
     background: var(--card); border: 1px solid var(--border); box-shadow: 0 2px 8px rgba(0,0,0,0.06);
   }
-  [data-theme="dark"] body.trading-console .hero-card,
-  [data-theme="dark"] body.trading-console .chart-card,
-  [data-theme="dark"] body.trading-console .metric-card,
-  [data-theme="dark"] body.trading-console .filter-bar,
-  [data-theme="dark"] body.trading-console .profile-card {
+  [data-theme="dark"] body.trading-console .hero-card, [data-theme="dark"] body.trading-console .chart-card,
+  [data-theme="dark"] body.trading-console .metric-card, [data-theme="dark"] body.trading-console .filter-bar,
+  [data-theme="dark"] body.trading-console .profile-card, [data-theme="dark"] body.trading-console .intel-card {
     background: rgba(255,255,255,0.03); border: 1px solid rgba(0,255,136,0.1);
     box-shadow: 0 2px 12px rgba(0,0,0,0.3), inset 0 1px 0 rgba(0,255,136,0.05);
   }
-
-  /* Console Values */
   body.trading-console .hero-value { font-variant-numeric: tabular-nums; }
   [data-theme="dark"] body.trading-console .hero-value {
-    font-family: 'SF Mono', 'Fira Code', 'Consolas', monospace;
-    text-shadow: 0 0 8px rgba(226,232,240,0.15);
+    font-family: 'SF Mono','Fira Code','Consolas',monospace; text-shadow: 0 0 8px rgba(226,232,240,0.15);
   }
-
-  /* Console Section Titles */
   body.trading-console .section-title { color: var(--text-secondary); letter-spacing: 1px; }
   body.trading-console .section-title .icon { background: var(--tc-accent-bg) !important; color: var(--tc-accent) !important; }
-  [data-theme="dark"] body.trading-console .section-title {
-    color: rgba(0,255,136,0.7); font-family: 'SF Mono', 'Fira Code', 'Consolas', monospace; letter-spacing: 2px;
-  }
+  [data-theme="dark"] body.trading-console .section-title { color: rgba(0,255,136,0.7); font-family: 'SF Mono','Fira Code','Consolas',monospace; letter-spacing: 2px; }
   [data-theme="dark"] body.trading-console .section-title .icon { background: rgba(0,255,136,0.08) !important; color: #00FF88 !important; }
-
-  /* Console Tables */
   body.trading-console .data-table th { background: var(--bg); color: var(--text-muted); }
-  [data-theme="dark"] body.trading-console .data-table th {
-    background: rgba(0,255,136,0.03); color: rgba(0,255,136,0.6);
-    font-family: 'SF Mono', 'Fira Code', 'Consolas', monospace;
-  }
-  [data-theme="dark"] body.trading-console .data-table td {
-    font-family: 'SF Mono', 'Fira Code', 'Consolas', monospace; font-size: 12px;
-    border-bottom-color: rgba(0,255,136,0.06);
-  }
+  [data-theme="dark"] body.trading-console .data-table th { background: rgba(0,255,136,0.03); color: rgba(0,255,136,0.6); font-family: 'SF Mono','Fira Code','Consolas',monospace; }
+  [data-theme="dark"] body.trading-console .data-table td { font-family: 'SF Mono','Fira Code','Consolas',monospace; font-size: 12px; border-bottom-color: rgba(0,255,136,0.06); }
   [data-theme="dark"] body.trading-console .data-table tr:hover td { background: rgba(0,255,136,0.05); }
-
-  /* Console Buttons Dark */
   [data-theme="dark"] body.trading-console .preset-btn { background: rgba(255,255,255,0.03); color: var(--text-secondary); border-color: rgba(0,255,136,0.1); }
   [data-theme="dark"] body.trading-console .preset-btn:hover { border-color: #00FF88; color: #00FF88; }
   [data-theme="dark"] body.trading-console .preset-btn.active { background: rgba(0,255,136,0.15); color: #00FF88; border-color: rgba(0,255,136,0.3); }
@@ -95,214 +69,205 @@ function buildAdminClienteHTML(user) {
   [data-theme="dark"] body.trading-console .gran-btn.active { background: rgba(249,168,37,0.15); color: #F9A825; border-color: rgba(249,168,37,0.3); }
   [data-theme="dark"] body.trading-console .date-inputs input[type="date"] { background: rgba(255,255,255,0.03); color: var(--text); border-color: rgba(0,255,136,0.1); }
   [data-theme="dark"] body.trading-console .app-footer { background: #0A0F18; border-top-color: rgba(0,255,136,0.1); color: var(--text-muted); }
-
-  /* Scrollbars Dark */
   [data-theme="dark"] body.trading-console ::-webkit-scrollbar { width: 6px; height: 6px; }
   [data-theme="dark"] body.trading-console ::-webkit-scrollbar-track { background: rgba(0,0,0,0.2); }
   [data-theme="dark"] body.trading-console ::-webkit-scrollbar-thumb { background: rgba(0,255,136,0.2); border-radius: 3px; }
-  [data-theme="dark"] body.trading-console ::-webkit-scrollbar-thumb:hover { background: rgba(0,255,136,0.35); }
 
-  /* === Floating Console Nav === */
-  .console-nav {
-    position: fixed; right: 0; top: 50%; transform: translateY(-50%);
-    z-index: 1000; display: flex; flex-direction: column; gap: 0; padding: 0; background: none;
-  }
+  /* === Console Nav === */
+  .console-nav { position: fixed; right: 0; top: 50%; transform: translateY(-50%); z-index: 1000; display: flex; flex-direction: column; }
   .console-nav-btn {
-    display: flex; flex-direction: column; align-items: center; justify-content: center;
-    gap: 6px; width: 38px; padding: 14px 0;
-    background: var(--card); border: 1px solid var(--border); border-right: none;
-    border-radius: 8px 0 0 8px; margin-bottom: -1px;
-    color: var(--text-muted); font-size: 11px; font-weight: 600;
-    cursor: pointer; transition: all 0.2s ease; text-decoration: none; position: relative;
-    box-shadow: -2px 0 6px rgba(0,0,0,0.04);
+    display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 6px;
+    width: 38px; padding: 14px 0; background: var(--card); border: 1px solid var(--border);
+    border-right: none; border-radius: 8px 0 0 8px; margin-bottom: -1px;
+    color: var(--text-muted); font-size: 11px; font-weight: 600; cursor: pointer;
+    transition: all 0.2s; text-decoration: none; box-shadow: -2px 0 6px rgba(0,0,0,0.04);
   }
   .console-nav-btn:hover { color: var(--text); background: var(--bg); width: 42px; }
-  .console-nav-btn.active { color: var(--tc-accent); background: var(--bg); width: 44px; border-color: var(--tc-accent); border-right: 1px solid var(--bg); z-index: 2; box-shadow: -3px 0 10px rgba(0,0,0,0.08); }
-  [data-theme="dark"] .console-nav-btn { background: #161B22; border-color: rgba(0,255,136,0.1); color: rgba(255,255,255,0.35); box-shadow: -2px 0 8px rgba(0,0,0,0.3); }
+  .console-nav-btn.active { color: var(--tc-accent); background: var(--bg); width: 44px; border-color: var(--tc-accent); border-right: 1px solid var(--bg); z-index: 2; }
+  [data-theme="dark"] .console-nav-btn { background: #161B22; border-color: rgba(0,255,136,0.1); color: rgba(255,255,255,0.35); }
   [data-theme="dark"] .console-nav-btn:hover { background: #1A2332; color: rgba(255,255,255,0.7); }
-  [data-theme="dark"] .console-nav-btn.active { background: #0D1117; color: #00FF88; border-color: rgba(0,255,136,0.3); border-right-color: #0D1117; box-shadow: -3px 0 12px rgba(0,0,0,0.4); text-shadow: 0 0 8px rgba(0,255,136,0.4); }
-  .console-nav-btn .nav-icon { font-size: 15px; line-height: 1; flex-shrink: 0; }
+  [data-theme="dark"] .console-nav-btn.active { background: #0D1117; color: #00FF88; border-color: rgba(0,255,136,0.3); border-right-color: #0D1117; text-shadow: 0 0 8px rgba(0,255,136,0.4); }
+  .console-nav-btn .nav-icon { font-size: 15px; line-height: 1; }
   .console-nav-btn .nav-label { writing-mode: vertical-rl; text-orientation: mixed; font-size: 9px; letter-spacing: 1px; text-transform: uppercase; font-weight: 700; white-space: nowrap; }
-  [data-theme="dark"] .console-nav-btn .nav-label { font-family: 'SF Mono', 'Fira Code', 'Consolas', monospace; }
-
+  [data-theme="dark"] .console-nav-btn .nav-label { font-family: 'SF Mono','Fira Code','Consolas',monospace; }
   @media (min-width: 769px) { body.trading-console .app-container { padding-right: 50px; } }
-  @media (max-width: 900px) { .console-nav-btn { width: 34px; padding: 10px 0; } .console-nav-btn .nav-label { font-size: 8px; } .console-nav-btn:hover { width: 38px; } .console-nav-btn.active { width: 40px; } }
-  @media (max-width: 768px) { .console-nav-btn .nav-label { display: none; } .console-nav-btn { width: 36px; padding: 12px 0; } .console-nav-btn .nav-icon { font-size: 16px; } .console-nav-btn:hover { width: 40px; } .console-nav-btn.active { width: 42px; } }
-  @media (max-width: 480px) { .console-nav-btn { width: 30px; padding: 10px 0; } .console-nav-btn .nav-icon { font-size: 13px; } .console-nav-btn:hover { width: 34px; } .console-nav-btn.active { width: 36px; } }
+  @media (max-width: 768px) { .console-nav-btn .nav-label { display: none; } .console-nav-btn { width: 36px; padding: 12px 0; } }
+  @media (max-width: 480px) { .console-nav-btn { width: 30px; padding: 10px 0; } .console-nav-btn .nav-icon { font-size: 13px; } }
 
   /* === Client Search === */
-  .client-search-wrap {
-    position: relative; max-width: 600px; margin: 0 auto 24px;
-  }
+  .client-search-wrap { position: relative; max-width: 600px; margin: 0 auto 24px; }
   .client-search-input {
     width: 100%; padding: 14px 20px; border: 2px solid var(--border); border-radius: 12px;
-    font-size: 15px; font-family: inherit; background: var(--card); color: var(--text);
-    transition: border-color 0.2s; outline: none;
+    font-size: 15px; font-family: inherit; background: var(--card); color: var(--text); transition: border-color 0.2s; outline: none;
   }
   .client-search-input:focus { border-color: var(--tc-accent); }
   .client-search-input::placeholder { color: var(--text-muted); }
   [data-theme="dark"] .client-search-input { background: rgba(255,255,255,0.03); border-color: rgba(0,255,136,0.15); }
   [data-theme="dark"] .client-search-input:focus { border-color: #00FF88; }
-
   .client-dropdown {
     position: absolute; top: 100%; left: 0; right: 0; z-index: 100;
     background: var(--card); border: 1px solid var(--border); border-radius: 12px;
-    box-shadow: 0 8px 32px rgba(0,0,0,0.15); max-height: 360px; overflow-y: auto;
-    display: none; margin-top: 4px;
+    box-shadow: 0 8px 32px rgba(0,0,0,0.15); max-height: 360px; overflow-y: auto; display: none; margin-top: 4px;
   }
   .client-dropdown.open { display: block; }
-  [data-theme="dark"] .client-dropdown { background: #161B22; border-color: rgba(0,255,136,0.15); box-shadow: 0 8px 32px rgba(0,0,0,0.5); }
-
-  .client-dropdown-item {
-    padding: 12px 20px; cursor: pointer; font-size: 14px; color: var(--text);
-    border-bottom: 1px solid var(--border); transition: background 0.1s;
-  }
+  [data-theme="dark"] .client-dropdown { background: #161B22; border-color: rgba(0,255,136,0.15); }
+  .client-dropdown-item { padding: 12px 20px; cursor: pointer; font-size: 14px; color: var(--text); border-bottom: 1px solid var(--border); transition: background 0.1s; }
   .client-dropdown-item:last-child { border-bottom: none; }
   .client-dropdown-item:hover { background: var(--bg); }
   [data-theme="dark"] .client-dropdown-item:hover { background: rgba(0,255,136,0.05); }
   .client-dropdown-item .item-id { font-size: 11px; color: var(--text-muted); margin-left: 8px; }
-
   .client-selected-badge {
-    display: none; align-items: center; gap: 12px;
-    padding: 12px 20px; background: var(--tc-accent-bg); border: 1px solid var(--tc-accent-border);
-    border-radius: 12px; font-size: 15px; font-weight: 600; color: var(--text);
-    max-width: 600px; margin: 0 auto 24px;
+    display: none; align-items: center; gap: 12px; padding: 12px 20px;
+    background: var(--tc-accent-bg); border: 1px solid var(--tc-accent-border); border-radius: 12px;
+    font-size: 15px; font-weight: 600; color: var(--text); max-width: 600px; margin: 0 auto 24px;
   }
   .client-selected-badge.visible { display: flex; }
   .client-selected-badge .badge-name { flex: 1; }
   .client-selected-badge .badge-clear {
-    background: none; border: 1px solid var(--border); border-radius: 8px;
-    padding: 6px 14px; font-size: 12px; font-weight: 600; cursor: pointer;
-    color: var(--text-secondary); font-family: inherit; transition: all 0.15s;
+    background: none; border: 1px solid var(--border); border-radius: 8px; padding: 6px 14px;
+    font-size: 12px; font-weight: 600; cursor: pointer; color: var(--text-secondary); font-family: inherit;
   }
   .client-selected-badge .badge-clear:hover { border-color: var(--red); color: var(--red); }
 
-  /* === Empty State === */
-  .empty-state {
-    text-align: center; padding: 80px 20px; color: var(--text-muted);
-  }
+  /* Empty State */
+  .empty-state { text-align: center; padding: 80px 20px; color: var(--text-muted); }
   .empty-state .empty-icon { font-size: 64px; margin-bottom: 16px; opacity: 0.3; }
   .empty-state h2 { font-size: 20px; font-weight: 700; margin-bottom: 8px; color: var(--text-secondary); }
   .empty-state p { font-size: 14px; }
 
   /* === Profile Card === */
-  .profile-card {
-    border-radius: 16px; padding: 24px; margin-bottom: 24px;
-    display: flex; align-items: center; gap: 24px; flex-wrap: wrap;
-  }
+  .profile-card { border-radius: 16px; padding: 24px; margin-bottom: 24px; display: flex; align-items: center; gap: 24px; flex-wrap: wrap; }
+  .profile-left { display: flex; align-items: center; gap: 16px; min-width: 200px; }
   .profile-avatar {
-    width: 56px; height: 56px; border-radius: 50%;
-    background: var(--tc-accent-bg); color: var(--tc-accent);
-    display: flex; align-items: center; justify-content: center;
-    font-size: 20px; font-weight: 800; flex-shrink: 0;
+    width: 56px; height: 56px; border-radius: 50%; background: var(--tc-accent-bg); color: var(--tc-accent);
+    display: flex; align-items: center; justify-content: center; font-size: 20px; font-weight: 800; flex-shrink: 0;
   }
-  .profile-info { flex: 1; min-width: 200px; }
   .profile-name { font-size: 20px; font-weight: 800; color: var(--text); }
   .profile-id { font-size: 12px; color: var(--text-muted); }
-  .profile-stats {
-    display: flex; gap: 24px; flex-wrap: wrap;
-  }
-  .profile-stat {
-    text-align: center; min-width: 80px;
-  }
+  .profile-stats { display: flex; gap: 20px; flex-wrap: wrap; flex: 1; }
+  .profile-stat { text-align: center; min-width: 70px; }
   .profile-stat-label { font-size: 10px; font-weight: 700; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.5px; }
-  .profile-stat-value { font-size: 16px; font-weight: 800; color: var(--text); font-variant-numeric: tabular-nums; }
-  [data-theme="dark"] .profile-stat-value { font-family: 'SF Mono', 'Fira Code', 'Consolas', monospace; }
+  .profile-stat-value { font-size: 15px; font-weight: 800; color: var(--text); font-variant-numeric: tabular-nums; }
+  [data-theme="dark"] .profile-stat-value { font-family: 'SF Mono','Fira Code','Consolas',monospace; }
+
+  /* Health Score in Profile */
+  .health-score-box {
+    display: flex; flex-direction: column; align-items: center; gap: 4px; min-width: 90px;
+    padding: 12px 16px; border-radius: 12px; border: 2px solid var(--border);
+  }
+  .health-score-box.score-green { border-color: var(--green); background: var(--green-bg); }
+  .health-score-box.score-blue { border-color: var(--blue); background: var(--blue-bg); }
+  .health-score-box.score-orange { border-color: var(--orange); background: var(--orange-bg); }
+  .health-score-box.score-red { border-color: var(--red); background: var(--red-bg); }
+  .health-score-number { font-size: 28px; font-weight: 800; font-variant-numeric: tabular-nums; line-height: 1; }
+  .health-score-number.green { color: var(--green); }
+  .health-score-number.blue { color: var(--blue); }
+  .health-score-number.orange { color: var(--orange); }
+  .health-score-number.red { color: var(--red); }
+  .health-score-label { font-size: 9px; font-weight: 800; text-transform: uppercase; letter-spacing: 1px; color: var(--text-muted); }
+  [data-theme="dark"] .health-score-number { font-family: 'SF Mono','Fira Code','Consolas',monospace; text-shadow: 0 0 12px currentColor; }
 
   /* === Filter Bar === */
-  .filter-bar {
-    background: var(--card); border-radius: 16px; padding: 20px 24px;
-    border: 1px solid var(--border); box-shadow: 0 2px 8px rgba(0,0,0,0.04);
-    margin-bottom: 24px; display: flex; align-items: center; gap: 16px; flex-wrap: wrap;
-  }
+  .filter-bar { background: var(--card); border-radius: 16px; padding: 20px 24px; border: 1px solid var(--border); margin-bottom: 24px; display: flex; align-items: center; gap: 16px; flex-wrap: wrap; }
   .filter-bar-label { font-size: 13px; font-weight: 600; color: var(--text-secondary); }
   .filter-presets { display: flex; gap: 8px; }
-  .preset-btn {
-    padding: 8px 16px; border: 1px solid var(--border); border-radius: 8px;
-    background: var(--bg); font-size: 13px; font-weight: 600; cursor: pointer;
-    color: var(--text-secondary); transition: all 0.15s; font-family: inherit;
-  }
+  .preset-btn { padding: 8px 16px; border: 1px solid var(--border); border-radius: 8px; background: var(--bg); font-size: 13px; font-weight: 600; cursor: pointer; color: var(--text-secondary); transition: all 0.15s; font-family: inherit; }
   .preset-btn:hover { border-color: var(--admin-accent); color: var(--admin-accent); }
   .preset-btn.active { background: var(--admin-accent); color: white; border-color: var(--admin-accent); }
   .filter-divider { width: 1px; height: 32px; background: var(--border); }
   .date-inputs { display: flex; align-items: center; gap: 8px; }
   .date-inputs label { font-size: 12px; font-weight: 600; color: var(--text-muted); }
-  .date-inputs input[type="date"] {
-    padding: 8px 12px; border: 1px solid var(--border); border-radius: 8px;
-    font-size: 13px; font-family: inherit; background: var(--bg); color: var(--text);
-  }
+  .date-inputs input[type="date"] { padding: 8px 12px; border: 1px solid var(--border); border-radius: 8px; font-size: 13px; font-family: inherit; background: var(--bg); color: var(--text); }
   .period-info { margin-left: auto; font-size: 12px; color: var(--text-muted); font-weight: 500; background: var(--bg); padding: 6px 12px; border-radius: 6px; }
 
   /* === Hero KPIs === */
-  .hero-grid {
-    display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; margin-bottom: 28px;
-  }
-  .hero-card {
-    background: var(--card); border-radius: 16px; padding: 20px 18px;
-    border: 1px solid var(--border); box-shadow: 0 2px 8px rgba(0,0,0,0.04);
-    position: relative; overflow: hidden; min-width: 0;
-  }
+  .hero-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 14px; margin-bottom: 28px; }
+  .hero-card { background: var(--card); border-radius: 16px; padding: 18px 16px; border: 1px solid var(--border); position: relative; overflow: hidden; min-width: 0; }
   .hero-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; }
-  .hero-card.spread::before { background: linear-gradient(90deg, var(--green), #4CAF50); }
   .hero-card.volume::before { background: linear-gradient(90deg, var(--blue), #42A5F5); }
   .hero-card.transactions::before { background: linear-gradient(90deg, var(--purple), #AB47BC); }
+  .hero-card.spread::before { background: linear-gradient(90deg, var(--green), #4CAF50); }
   .hero-card.ticket::before { background: linear-gradient(90deg, #00897B, #26A69A); }
+  .hero-card.arpa::before { background: linear-gradient(90deg, #F9A825, #FFD54F); }
   .hero-card.avgspread::before { background: linear-gradient(90deg, var(--orange), #FFA726); }
-  .hero-label { font-size: 11px; font-weight: 700; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 8px; }
-  .hero-value {
-    font-size: clamp(14px, 1.6vw, 26px); font-weight: 800; color: var(--text); margin-bottom: 4px;
-    font-variant-numeric: tabular-nums; word-break: break-word; overflow-wrap: break-word; min-width: 0; line-height: 1.2;
-  }
-  .hero-badge { display: inline-block; font-size: 11px; font-weight: 700; padding: 3px 10px; border-radius: 12px; }
+  .hero-label { font-size: 10px; font-weight: 700; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 6px; }
+  .hero-value { font-size: clamp(13px, 1.4vw, 24px); font-weight: 800; color: var(--text); margin-bottom: 4px; font-variant-numeric: tabular-nums; word-break: break-word; min-width: 0; line-height: 1.2; }
+  .hero-badge { display: inline-block; font-size: 10px; font-weight: 700; padding: 2px 8px; border-radius: 12px; }
   .hero-badge.up { background: var(--green-bg); color: var(--green); }
   .hero-badge.down { background: var(--red-bg); color: var(--red); }
   .hero-badge.neutral { background: var(--blue-bg); color: var(--blue); }
-  .hero-sub { font-size: 12px; color: var(--text-muted); margin-top: 6px; }
+  .hero-sub { font-size: 11px; color: var(--text-muted); margin-top: 4px; }
 
-  /* === Section Headers === */
-  .section-title {
-    font-size: 14px; font-weight: 700; color: var(--text-secondary);
-    text-transform: uppercase; letter-spacing: 1px; margin-bottom: 16px;
-    display: flex; align-items: center; gap: 8px;
-  }
-  .section-title .icon {
-    width: 28px; height: 28px; border-radius: 8px; display: flex;
-    align-items: center; justify-content: center; font-size: 14px;
-  }
+  /* === Sections === */
+  .section-title { font-size: 14px; font-weight: 700; color: var(--text-secondary); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 16px; display: flex; align-items: center; gap: 8px; }
+  .section-title .icon { width: 28px; height: 28px; border-radius: 8px; display: flex; align-items: center; justify-content: center; font-size: 14px; }
 
-  /* === Charts === */
-  .charts-row { display: grid; grid-template-columns: 1fr 2fr; gap: 20px; margin-bottom: 28px; }
-  .charts-row.equal { grid-template-columns: 1fr 1fr; }
+  /* Charts */
+  .charts-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 28px; }
   .charts-row.triple { grid-template-columns: 1fr 1fr 1fr; }
-  .chart-card {
-    background: var(--card); border-radius: 16px; padding: 24px;
-    border: 1px solid var(--border); box-shadow: 0 2px 8px rgba(0,0,0,0.04);
-  }
-  .chart-card h3 {
-    font-size: 14px; font-weight: 700; color: var(--text); margin-bottom: 16px;
-    display: flex; align-items: center; gap: 8px;
-  }
+  .charts-row.wide-left { grid-template-columns: 2fr 1fr; }
+  .chart-card { background: var(--card); border-radius: 16px; padding: 24px; border: 1px solid var(--border); }
+  .chart-card h3 { font-size: 14px; font-weight: 700; color: var(--text); margin-bottom: 16px; display: flex; align-items: center; gap: 8px; }
   .chart-card h3 .badge { font-size: 10px; padding: 3px 8px; border-radius: 10px; font-weight: 700; background: var(--bg); color: var(--text-muted); }
   .chart-wrap { position: relative; height: 280px; }
   .chart-wrap.short { height: 220px; }
-
-  /* Granularity Buttons */
-  .gran-selector { display: flex; align-items: center; gap: 8px; }
-  .gran-btn {
-    padding: 6px 14px; border: 1px solid var(--border); border-radius: 8px;
-    background: var(--bg); font-size: 12px; font-weight: 600; cursor: pointer;
-    color: var(--text-secondary); transition: all 0.15s; font-family: inherit;
-  }
+  .gran-selector { display: flex; align-items: center; gap: 6px; }
+  .gran-btn { padding: 6px 14px; border: 1px solid var(--border); border-radius: 8px; background: var(--bg); font-size: 12px; font-weight: 600; cursor: pointer; color: var(--text-secondary); transition: all 0.15s; font-family: inherit; }
   .gran-btn:hover { border-color: #F9A825; color: #F9A825; }
   .gran-btn.active { background: #F9A825; color: white; border-color: #F9A825; }
 
-  /* === Transaction Table === */
+  /* === Intel Cards (Health/Risk/Netting) === */
+  .intel-grid { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 20px; margin-bottom: 28px; }
+  .intel-card { border-radius: 16px; padding: 24px; }
+  .intel-card h3 { font-size: 13px; font-weight: 700; color: var(--text); margin-bottom: 16px; display: flex; align-items: center; gap: 8px; }
+
+  /* Health Breakdown */
+  .health-gauge-wrap { display: flex; align-items: center; gap: 24px; }
+  .health-gauge { position: relative; width: 140px; height: 140px; flex-shrink: 0; }
+  .health-gauge svg { width: 100%; height: 100%; transform: rotate(-90deg); }
+  .health-gauge-bg { fill: none; stroke: var(--border); stroke-width: 10; }
+  .health-gauge-fill { fill: none; stroke-width: 10; stroke-linecap: round; transition: stroke-dashoffset 0.8s ease; }
+  .health-gauge-center { position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center; }
+  .health-gauge-score { font-size: 36px; font-weight: 800; line-height: 1; }
+  .health-gauge-label { font-size: 10px; font-weight: 700; text-transform: uppercase; color: var(--text-muted); margin-top: 2px; }
+  [data-theme="dark"] .health-gauge-score { font-family: 'SF Mono','Fira Code','Consolas',monospace; text-shadow: 0 0 16px currentColor; }
+  .health-breakdown { flex: 1; display: flex; flex-direction: column; gap: 8px; }
+  .health-row { display: flex; justify-content: space-between; align-items: center; }
+  .health-row-label { font-size: 12px; color: var(--text-secondary); }
+  .health-row-bar { width: 80px; height: 6px; border-radius: 3px; background: var(--bg); overflow: hidden; }
+  .health-row-fill { height: 100%; border-radius: 3px; transition: width 0.6s; }
+  .health-row-val { font-size: 12px; font-weight: 700; min-width: 30px; text-align: right; }
+
+  /* Risk Indicators */
+  .risk-level-badge { display: inline-block; padding: 4px 14px; border-radius: 8px; font-size: 12px; font-weight: 800; letter-spacing: 1px; }
+  .risk-level-badge.baixo { background: var(--green-bg); color: var(--green); }
+  .risk-level-badge.medio { background: var(--blue-bg); color: var(--blue); }
+  .risk-level-badge.alto { background: var(--orange-bg); color: var(--orange); }
+  .risk-level-badge.critico { background: var(--red-bg); color: var(--red); }
+  .risk-row { display: flex; justify-content: space-between; align-items: center; padding: 10px 0; border-bottom: 1px solid var(--border); }
+  .risk-row:last-child { border-bottom: none; }
+  .risk-row-label { font-size: 12px; color: var(--text-secondary); }
+  .risk-row-value { font-size: 14px; font-weight: 700; font-variant-numeric: tabular-nums; }
+  .risk-row-value.positive { color: var(--green); }
+  .risk-row-value.negative { color: var(--red); }
+  .risk-row-value.neutral { color: var(--text-muted); }
+
+  /* Netting */
+  .netting-row { display: flex; justify-content: space-between; align-items: center; padding: 10px 0; border-bottom: 1px solid var(--border); }
+  .netting-row:last-child { border-bottom: none; }
+  .netting-label { font-size: 13px; color: var(--text-secondary); font-weight: 600; }
+  .netting-value { font-size: 15px; font-weight: 700; font-variant-numeric: tabular-nums; }
+  .netting-value.green { color: var(--green); }
+  .netting-value.red { color: var(--red); }
+  .netting-value.blue { color: var(--blue); }
+  .gauge-bar { height: 8px; border-radius: 4px; background: var(--bg); overflow: hidden; margin: 8px 0; }
+  .gauge-bar-fill { height: 100%; border-radius: 4px; transition: width 0.6s; }
+  .gauge-bar-fill.green { background: linear-gradient(90deg, var(--green), #4CAF50); }
+  .gauge-bar-fill.blue { background: linear-gradient(90deg, var(--blue), #42A5F5); }
+
+  /* === Data Table === */
   .data-table { width: 100%; border-collapse: collapse; font-size: 13px; }
-  .data-table th {
-    text-align: left; padding: 10px 12px; font-weight: 700; font-size: 11px;
-    text-transform: uppercase; letter-spacing: 0.5px; color: var(--text-muted);
-    border-bottom: 2px solid var(--border); cursor: pointer; user-select: none; white-space: nowrap;
-  }
+  .data-table th { text-align: left; padding: 10px 12px; font-weight: 700; font-size: 11px; text-transform: uppercase; letter-spacing: 0.5px; color: var(--text-muted); border-bottom: 2px solid var(--border); cursor: pointer; user-select: none; white-space: nowrap; }
   .data-table th:hover { color: var(--tc-accent); }
   .data-table th .sort-arrow { font-size: 10px; margin-left: 4px; opacity: 0.4; }
   .data-table th.sorted .sort-arrow { opacity: 1; color: var(--tc-accent); }
@@ -310,127 +275,47 @@ function buildAdminClienteHTML(user) {
   .data-table tr:last-child td { border-bottom: none; }
   .data-table tr:hover td { background: var(--bg); }
   .data-table tfoot td { font-weight: 700; border-top: 2px solid var(--border); background: var(--bg); }
-
-  .flow-tag {
-    display: inline-block; padding: 2px 8px; border-radius: 6px; font-size: 11px; font-weight: 700;
-  }
+  .flow-tag { display: inline-block; padding: 2px 8px; border-radius: 6px; font-size: 11px; font-weight: 700; }
   .flow-tag.brl-usd { background: var(--blue-bg); color: var(--blue); }
   .flow-tag.usd-brl { background: var(--green-bg); color: var(--green); }
 
-  /* === Pagination === */
-  .table-controls {
-    display: flex; align-items: center; justify-content: space-between; gap: 12px;
-    padding: 12px 0; flex-wrap: wrap;
-  }
-  .table-controls select {
-    padding: 6px 10px; border: 1px solid var(--border); border-radius: 6px;
-    font-size: 12px; font-family: inherit; background: var(--bg); color: var(--text);
-  }
-  .pagination {
-    display: flex; align-items: center; gap: 4px;
-  }
-  .page-btn {
-    padding: 6px 12px; border: 1px solid var(--border); border-radius: 6px;
-    background: var(--bg); font-size: 12px; font-weight: 600; cursor: pointer;
-    color: var(--text-secondary); font-family: inherit; transition: all 0.15s;
-  }
+  /* Pagination */
+  .table-controls { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 12px 0; flex-wrap: wrap; }
+  .table-controls select { padding: 6px 10px; border: 1px solid var(--border); border-radius: 6px; font-size: 12px; font-family: inherit; background: var(--bg); color: var(--text); }
+  .pagination { display: flex; align-items: center; gap: 4px; }
+  .page-btn { padding: 6px 12px; border: 1px solid var(--border); border-radius: 6px; background: var(--bg); font-size: 12px; font-weight: 600; cursor: pointer; color: var(--text-secondary); font-family: inherit; }
   .page-btn:hover { border-color: var(--tc-accent); color: var(--tc-accent); }
   .page-btn.active { background: var(--tc-accent); color: white; border-color: var(--tc-accent); }
   .page-btn:disabled { opacity: 0.4; cursor: default; }
   .page-info { font-size: 12px; color: var(--text-muted); }
-
-  .btn-export {
-    padding: 8px 16px; border: 1px solid var(--border); border-radius: 8px;
-    background: var(--bg); font-size: 12px; font-weight: 600; cursor: pointer;
-    color: var(--text-secondary); font-family: inherit; transition: all 0.15s;
-  }
+  .btn-export { padding: 8px 16px; border: 1px solid var(--border); border-radius: 8px; background: var(--bg); font-size: 12px; font-weight: 600; cursor: pointer; color: var(--text-secondary); font-family: inherit; }
   .btn-export:hover { border-color: var(--tc-accent); color: var(--tc-accent); }
 
-  /* === Loading === */
-  .loading-overlay {
-    position: absolute; inset: 0; background: rgba(255,255,255,0.8);
-    display: flex; align-items: center; justify-content: center;
-    border-radius: 16px; z-index: 10; font-size: 13px; color: var(--text-muted);
-  }
+  /* Misc */
+  .loading-overlay { position: absolute; inset: 0; background: rgba(255,255,255,0.8); display: flex; align-items: center; justify-content: center; border-radius: 16px; z-index: 10; font-size: 13px; color: var(--text-muted); }
   [data-theme="dark"] .loading-overlay { background: rgba(13,17,23,0.85); }
-
   .content-area { display: none; }
   .content-area.visible { display: block; }
-
-  /* === Dark Mode extra === */
   [data-theme="dark"] .preset-btn { background: var(--card); color: var(--text-secondary); border-color: var(--border); }
   [data-theme="dark"] .preset-btn:hover { border-color: var(--admin-accent); color: var(--green); }
-  [data-theme="dark"] .gran-btn { background: var(--card); color: var(--text-secondary); border-color: var(--border); }
   [data-theme="dark"] .date-inputs input[type="date"] { background: var(--card); color: var(--text); border-color: var(--border); }
   [data-theme="dark"] .data-table tr:hover td { background: rgba(255,255,255,0.03); }
 
   /* === Responsive === */
-  @media (max-width: 1200px) {
-    .hero-grid { grid-template-columns: repeat(3, 1fr); }
-    .hero-value { font-size: clamp(15px, 2.4vw, 22px); }
-  }
-  @media (max-width: 900px) {
-    .charts-row { grid-template-columns: 1fr; }
-    .charts-row.equal { grid-template-columns: 1fr; }
-    .charts-row.triple { grid-template-columns: 1fr 1fr; }
-    .charts-row.triple > :last-child { grid-column: span 2; }
-    .filter-divider { display: none; }
-    .filter-bar { gap: 10px; }
-    .profile-card { flex-direction: column; text-align: center; }
-    .profile-stats { justify-content: center; }
-  }
-  @media (max-width: 768px) {
-    .filter-bar { padding: 14px 16px; gap: 10px; flex-direction: column; align-items: stretch; }
-    .filter-bar-label { text-align: center; }
-    .filter-presets { flex-wrap: wrap; justify-content: center; }
-    .preset-btn { padding: 10px 14px; min-height: 44px; font-size: 13px; flex: 1; min-width: 60px; text-align: center; }
-    .date-inputs { flex-wrap: wrap; justify-content: center; gap: 6px; }
-    .date-inputs input[type="date"] { flex: 1; min-width: 130px; min-height: 44px; }
-    .period-info { margin-left: 0; width: 100%; text-align: center; }
-    .hero-grid { grid-template-columns: repeat(2, 1fr); gap: 12px; }
-    .hero-card { padding: 16px 18px; border-radius: 12px; }
-    .hero-card:last-child { grid-column: span 2; }
-    .hero-value { font-size: 22px; }
-    .hero-label { font-size: 10px; }
-    .charts-row, .charts-row.equal, .charts-row.triple { grid-template-columns: 1fr; }
-    .charts-row.triple > :last-child { grid-column: span 1; }
-    .chart-card { padding: 18px; border-radius: 12px; }
-    .chart-wrap { height: 250px; }
-    .section-title { font-size: 13px; margin-bottom: 12px; }
-    .table-controls { flex-direction: column; align-items: stretch; }
-    .data-table { font-size: 12px; }
-    .data-table th { padding: 10px 10px; font-size: 10px; }
-    .data-table td { padding: 10px 10px; white-space: nowrap; }
-  }
-  @media (max-width: 480px) {
-    .hero-grid { grid-template-columns: 1fr; gap: 10px; }
-    .hero-card { padding: 14px 16px; }
-    .hero-card:last-child { grid-column: span 1; }
-    .hero-value { font-size: 20px; }
-    .hero-badge { font-size: 10px; padding: 2px 8px; }
-    .chart-card { padding: 14px; }
-    .chart-wrap { height: 200px; }
-    .chart-wrap.short { height: 160px; }
-    .chart-card h3 { font-size: 13px; }
-    .data-table { font-size: 11px; }
-    .data-table th { padding: 8px 6px; font-size: 9px; }
-    .data-table td { padding: 8px 6px; }
-    .section-title { font-size: 12px; letter-spacing: 0.5px; }
-    .section-title .icon { width: 24px; height: 24px; font-size: 12px; }
-    .profile-stats { gap: 12px; }
-    .profile-stat-value { font-size: 14px; }
-    .client-search-input { font-size: 14px; padding: 12px 16px; }
-  }
+  @media (max-width: 1200px) { .hero-grid { grid-template-columns: repeat(3, 1fr); } .intel-grid { grid-template-columns: 1fr 1fr; } }
+  @media (max-width: 900px) { .charts-row, .charts-row.wide-left { grid-template-columns: 1fr; } .charts-row.triple { grid-template-columns: 1fr 1fr; } .charts-row.triple > :last-child { grid-column: span 2; } .intel-grid { grid-template-columns: 1fr; } .filter-divider { display: none; } .profile-card { flex-direction: column; text-align: center; } .profile-left { flex-direction: column; } .profile-stats { justify-content: center; } .health-gauge-wrap { flex-direction: column; align-items: center; } }
+  @media (max-width: 768px) { .filter-bar { padding: 14px 16px; gap: 10px; flex-direction: column; align-items: stretch; } .filter-bar-label { text-align: center; } .filter-presets { flex-wrap: wrap; justify-content: center; } .preset-btn { padding: 10px 14px; min-height: 44px; flex: 1; min-width: 55px; text-align: center; } .date-inputs { flex-wrap: wrap; justify-content: center; } .date-inputs input[type="date"] { flex: 1; min-width: 130px; min-height: 44px; } .period-info { margin-left: 0; width: 100%; text-align: center; } .hero-grid { grid-template-columns: repeat(2, 1fr); gap: 12px; } .hero-card { padding: 14px; } .hero-value { font-size: 20px; } .charts-row, .charts-row.triple { grid-template-columns: 1fr; } .charts-row.triple > :last-child { grid-column: span 1; } .chart-card { padding: 18px; } .chart-wrap { height: 250px; } .section-title { font-size: 13px; } .table-controls { flex-direction: column; align-items: stretch; } .data-table { font-size: 12px; } .data-table th { padding: 10px 8px; font-size: 10px; } .data-table td { padding: 10px 8px; white-space: nowrap; } }
+  @media (max-width: 480px) { .hero-grid { grid-template-columns: 1fr; } .chart-card { padding: 14px; } .chart-wrap { height: 200px; } .chart-wrap.short { height: 160px; } .data-table { font-size: 11px; } .data-table th { padding: 8px 6px; font-size: 9px; } .data-table td { padding: 8px 6px; } .intel-card { padding: 16px; } .health-gauge { width: 110px; height: 110px; } .health-gauge-score { font-size: 28px; } }
   `;
 
   return `<!DOCTYPE html>
 <html lang="pt-BR">
 <head>
-${buildHead('Clientes 360', pageCSS, pageScripts)}
+\${buildHead('Clientes 360', pageCSS, pageScripts)}
 </head>
 <body class="trading-console">
 
-${buildHeader({ role: role, userName: user.nome, activePage: 'cliente' })}
+\${buildHeader({ role: role, userName: user.nome, activePage: 'cliente' })}
 
 <div class="app-container">
 
@@ -448,48 +333,36 @@ ${buildHeader({ role: role, userName: user.nome, activePage: 'cliente' })}
   <div class="empty-state" id="emptyState">
     <div class="empty-icon">&#x1F50D;</div>
     <h2>Selecione um cliente</h2>
-    <p>Use a busca acima para encontrar um cliente e visualizar sua analise completa.</p>
+    <p>Use a busca acima para encontrar um cliente e visualizar sua analise 360 completa.</p>
   </div>
 
-  <!-- Content Area (hidden until client selected) -->
+  <!-- Content Area -->
   <div class="content-area" id="contentArea">
 
-    <!-- Profile Card -->
+    <!-- Profile Card with Health Score -->
     <div class="profile-card" id="profileCard">
-      <div class="profile-avatar" id="profileAvatar">--</div>
-      <div class="profile-info">
-        <div class="profile-name" id="profileName">--</div>
-        <div class="profile-id" id="profileId">--</div>
+      <div class="profile-left">
+        <div class="profile-avatar" id="profileAvatar">--</div>
+        <div>
+          <div class="profile-name" id="profileName">--</div>
+          <div class="profile-id" id="profileId">--</div>
+        </div>
       </div>
       <div class="profile-stats">
-        <div class="profile-stat">
-          <div class="profile-stat-label">Primeira Op</div>
-          <div class="profile-stat-value" id="profileFirstOp">--</div>
-        </div>
-        <div class="profile-stat">
-          <div class="profile-stat-label">Ultima Op</div>
-          <div class="profile-stat-value" id="profileLastOp">--</div>
-        </div>
-        <div class="profile-stat">
-          <div class="profile-stat-label">Dias Inativo</div>
-          <div class="profile-stat-value" id="profileInactive">--</div>
-        </div>
-        <div class="profile-stat">
-          <div class="profile-stat-label">Vol. Lifetime</div>
-          <div class="profile-stat-value" id="profileVolume">--</div>
-        </div>
-        <div class="profile-stat">
-          <div class="profile-stat-label">Total Ops</div>
-          <div class="profile-stat-value" id="profileOps">--</div>
-        </div>
-        <div class="profile-stat">
-          <div class="profile-stat-label">Receita</div>
-          <div class="profile-stat-value" id="profileRevenue">--</div>
-        </div>
+        <div class="profile-stat"><div class="profile-stat-label">Primeira Op</div><div class="profile-stat-value" id="profileFirstOp">--</div></div>
+        <div class="profile-stat"><div class="profile-stat-label">Ultima Op</div><div class="profile-stat-value" id="profileLastOp">--</div></div>
+        <div class="profile-stat"><div class="profile-stat-label">Meses Ativo</div><div class="profile-stat-value" id="profileMonths">--</div></div>
+        <div class="profile-stat"><div class="profile-stat-label">LTV (Receita)</div><div class="profile-stat-value" id="profileLTV">--</div></div>
+        <div class="profile-stat"><div class="profile-stat-label">Vol. Lifetime</div><div class="profile-stat-value" id="profileVolume">--</div></div>
+        <div class="profile-stat"><div class="profile-stat-label">Ops Lifetime</div><div class="profile-stat-value" id="profileOps">--</div></div>
+      </div>
+      <div class="health-score-box" id="healthScoreBox">
+        <div class="health-score-number" id="healthScoreNum">--</div>
+        <div class="health-score-label" id="healthScoreLabel">Health</div>
       </div>
     </div>
 
-    <!-- Date Filter Bar -->
+    <!-- Date Filter -->
     <div class="filter-bar" id="filterBar">
       <span class="filter-bar-label">Periodo:</span>
       <div class="filter-presets">
@@ -501,40 +374,79 @@ ${buildHeader({ role: role, userName: user.nome, activePage: 'cliente' })}
       </div>
       <div class="filter-divider"></div>
       <div class="date-inputs">
-        <label>De:</label>
-        <input type="date" id="dateStart" value="${thirtyDaysAgo}">
-        <label>Ate:</label>
-        <input type="date" id="dateEnd" value="${today}">
+        <label>De:</label><input type="date" id="dateStart" value="${thirtyDaysAgo}">
+        <label>Ate:</label><input type="date" id="dateEnd" value="${today}">
       </div>
       <span class="period-info" id="periodInfo">--</span>
     </div>
 
-    <!-- Hero KPIs -->
+    <!-- Hero KPIs (6) -->
     <div class="hero-grid" id="heroGrid">
-      <div class="hero-card volume">
-        <div class="hero-label">Volume USD</div>
-        <div class="hero-value" id="kpiVolume">--</div>
-        <span class="hero-badge neutral" id="kpiVolBadge">--</span>
+      <div class="hero-card volume"><div class="hero-label">Volume USD</div><div class="hero-value" id="kpiVolume">--</div><span class="hero-badge neutral" id="kpiVolBadge">--</span></div>
+      <div class="hero-card transactions"><div class="hero-label">Transacoes</div><div class="hero-value" id="kpiTx">--</div><span class="hero-badge neutral" id="kpiTxBadge">--</span></div>
+      <div class="hero-card spread"><div class="hero-label">Receita USD</div><div class="hero-value" id="kpiSpread">--</div><span class="hero-badge neutral" id="kpiSpreadBadge">--</span></div>
+      <div class="hero-card ticket"><div class="hero-label">Ticket Medio</div><div class="hero-value" id="kpiTicket">--</div><div class="hero-sub">USD / operacao</div></div>
+      <div class="hero-card arpa"><div class="hero-label">ARPA</div><div class="hero-value" id="kpiARPA">--</div><div class="hero-sub">receita / mes</div></div>
+      <div class="hero-card avgspread"><div class="hero-label">Spread Medio</div><div class="hero-value" id="kpiAvgSpread">--</div><div class="hero-sub">% ponderado</div></div>
+    </div>
+
+    <!-- Section: Saude & Risco -->
+    <div class="section-title" id="sectionHealth">
+      <span class="icon">&#x1F3AF;</span>
+      Saude & Inteligencia de Risco
+    </div>
+    <div class="intel-grid">
+      <div class="intel-card">
+        <h3>Health Score</h3>
+        <div class="health-gauge-wrap">
+          <div class="health-gauge">
+            <svg viewBox="0 0 140 140"><circle class="health-gauge-bg" cx="70" cy="70" r="60"/><circle class="health-gauge-fill" id="healthGaugeFill" cx="70" cy="70" r="60" stroke-dasharray="377" stroke-dashoffset="377"/></svg>
+            <div class="health-gauge-center"><div class="health-gauge-score" id="healthGaugeScore">--</div><div class="health-gauge-label" id="healthGaugeLabel">--</div></div>
+          </div>
+          <div class="health-breakdown" id="healthBreakdown">
+            <div class="health-row"><span class="health-row-label">Volume</span><div class="health-row-bar"><div class="health-row-fill" id="hbVol" style="width:0%;background:var(--blue);"></div></div><span class="health-row-val" id="hbVolVal">0</span></div>
+            <div class="health-row"><span class="health-row-label">Frequencia</span><div class="health-row-bar"><div class="health-row-fill" id="hbFreq" style="width:0%;background:var(--green);"></div></div><span class="health-row-val" id="hbFreqVal">0</span></div>
+            <div class="health-row"><span class="health-row-label">Recencia</span><div class="health-row-bar"><div class="health-row-fill" id="hbRec" style="width:0%;background:var(--orange);"></div></div><span class="health-row-val" id="hbRecVal">0</span></div>
+            <div class="health-row"><span class="health-row-label">Crescimento</span><div class="health-row-bar"><div class="health-row-fill" id="hbGrow" style="width:0%;background:var(--purple);"></div></div><span class="health-row-val" id="hbGrowVal">0</span></div>
+          </div>
+        </div>
       </div>
-      <div class="hero-card transactions">
-        <div class="hero-label">Transacoes</div>
-        <div class="hero-value" id="kpiTx">--</div>
-        <span class="hero-badge neutral" id="kpiTxBadge">--</span>
+
+      <div class="intel-card">
+        <h3>Indicadores de Churn</h3>
+        <div style="margin-bottom:12px;text-align:center;"><span class="risk-level-badge" id="riskBadge">--</span></div>
+        <div id="riskIndicators">
+          <div class="risk-row"><span class="risk-row-label">Variacao Volume</span><span class="risk-row-value neutral" id="riskVol">--</span></div>
+          <div class="risk-row"><span class="risk-row-label">Variacao Transacoes</span><span class="risk-row-value neutral" id="riskTx">--</span></div>
+          <div class="risk-row"><span class="risk-row-label">Dias Inativo</span><span class="risk-row-value neutral" id="riskDays">--</span></div>
+          <div class="risk-row"><span class="risk-row-label">Intervalo Medio</span><span class="risk-row-value neutral" id="riskInterval">--</span></div>
+        </div>
       </div>
-      <div class="hero-card spread">
-        <div class="hero-label">Receita Spread</div>
-        <div class="hero-value" id="kpiSpread">--</div>
-        <span class="hero-badge neutral" id="kpiSpreadBadge">--</span>
+
+      <div class="intel-card">
+        <h3>Netting & Posicao</h3>
+        <div id="nettingContent">
+          <div class="netting-row"><span class="netting-label">Saida (BRL&#x2192;USD)</span><span class="netting-value red" id="netOut">--</span></div>
+          <div class="netting-row"><span class="netting-label">Entrada (USD&#x2192;BRL)</span><span class="netting-value green" id="netIn">--</span></div>
+          <div class="netting-row" style="border-top:2px solid var(--border);padding-top:12px;"><span class="netting-label" style="font-weight:700;">Posicao Liquida</span><span class="netting-value" id="netPos">--</span></div>
+          <div style="margin-top:12px;"><div style="font-size:11px;color:var(--text-muted);margin-bottom:4px;">Eficiencia Netting</div><div class="netting-value blue" id="netEff" style="font-size:24px;">--%</div><div class="gauge-bar"><div class="gauge-bar-fill blue" id="netEffBar" style="width:0%"></div></div></div>
+        </div>
       </div>
-      <div class="hero-card ticket">
-        <div class="hero-label">Ticket Medio</div>
-        <div class="hero-value" id="kpiTicket">--</div>
-        <div class="hero-sub">USD por operacao</div>
+    </div>
+
+    <!-- Section: Revenue Intelligence -->
+    <div class="section-title" id="sectionRevenue">
+      <span class="icon">&#x1F4B0;</span>
+      Revenue Intelligence
+    </div>
+    <div class="charts-row">
+      <div class="chart-card">
+        <h3>Receita USD Mensal + Volume</h3>
+        <div class="chart-wrap"><canvas id="chartMonthlyRev"></canvas></div>
       </div>
-      <div class="hero-card avgspread">
-        <div class="hero-label">Spread Medio</div>
-        <div class="hero-value" id="kpiAvgSpread">--</div>
-        <div class="hero-sub">% medio ponderado</div>
+      <div class="chart-card">
+        <h3>Crescimento MoM %</h3>
+        <div class="chart-wrap"><canvas id="chartMoM"></canvas></div>
       </div>
     </div>
 
@@ -545,7 +457,7 @@ ${buildHeader({ role: role, userName: user.nome, activePage: 'cliente' })}
     </div>
     <div class="chart-card" style="margin-bottom:28px;">
       <div style="display:flex;justify-content:space-between;align-items:center;margin-bottom:12px;">
-        <h3 style="margin:0;">Volume + Quantidade ao Longo do Tempo</h3>
+        <h3 style="margin:0;">Volume + Quantidade Diaria</h3>
         <div class="gran-selector">
           <button class="gran-btn active" data-tl-gran="D">D</button>
           <button class="gran-btn" data-tl-gran="W">W</button>
@@ -560,13 +472,13 @@ ${buildHeader({ role: role, userName: user.nome, activePage: 'cliente' })}
       <span class="icon">&#x21C4;</span>
       Analise de Fluxo
     </div>
-    <div class="charts-row equal">
+    <div class="charts-row">
       <div class="chart-card">
         <h3>BRL&#x2192;USD vs USD&#x2192;BRL</h3>
         <div class="chart-wrap short"><canvas id="chartFlowDonut"></canvas></div>
       </div>
       <div class="chart-card">
-        <h3>Tendencia de Spread % por Fluxo</h3>
+        <h3>Tendencia Spread % por Fluxo</h3>
         <div class="chart-wrap"><canvas id="chartSpreadTrend"></canvas></div>
       </div>
     </div>
@@ -580,36 +492,28 @@ ${buildHeader({ role: role, userName: user.nome, activePage: 'cliente' })}
       <div class="table-controls">
         <div style="display:flex;align-items:center;gap:12px;">
           <span class="page-info" id="tableInfo">--</span>
-          <select id="pageSizeSelect">
-            <option value="25" selected>25 por pag.</option>
-            <option value="50">50 por pag.</option>
-            <option value="100">100 por pag.</option>
-          </select>
+          <select id="pageSizeSelect"><option value="25" selected>25</option><option value="50">50</option><option value="100">100</option></select>
         </div>
         <div style="display:flex;align-items:center;gap:8px;">
-          <button class="btn-export" onclick="exportCSV()">Exportar CSV</button>
+          <button class="btn-export" onclick="exportCSV()">CSV</button>
           <div class="pagination" id="pagination"></div>
         </div>
       </div>
       <div style="overflow-x:auto;-webkit-overflow-scrolling:touch;">
         <table class="data-table" id="txTable">
-          <thead>
-            <tr>
-              <th data-col="date">Data <span class="sort-arrow">&#x25B2;</span></th>
-              <th data-col="flow">Fluxo <span class="sort-arrow">&#x25B2;</span></th>
-              <th data-col="usd">USD <span class="sort-arrow">&#x25B2;</span></th>
-              <th data-col="brl">BRL <span class="sort-arrow">&#x25B2;</span></th>
-              <th data-col="rate">Taxa <span class="sort-arrow">&#x25B2;</span></th>
-              <th data-col="ptax">PTAX <span class="sort-arrow">&#x25B2;</span></th>
-              <th data-col="spread_pct">Spread% <span class="sort-arrow">&#x25B2;</span></th>
-              <th data-col="iof">IOF <span class="sort-arrow">&#x25B2;</span></th>
-              <th data-col="status">Status <span class="sort-arrow">&#x25B2;</span></th>
-              <th data-col="provider">Provider <span class="sort-arrow">&#x25B2;</span></th>
-            </tr>
-          </thead>
-          <tbody id="txTableBody">
-            <tr><td colspan="10" style="text-align:center;color:var(--text-muted);">--</td></tr>
-          </tbody>
+          <thead><tr>
+            <th data-col="date">Data <span class="sort-arrow">&#x25B2;</span></th>
+            <th data-col="flow">Fluxo <span class="sort-arrow">&#x25B2;</span></th>
+            <th data-col="usd">USD <span class="sort-arrow">&#x25B2;</span></th>
+            <th data-col="brl">BRL <span class="sort-arrow">&#x25B2;</span></th>
+            <th data-col="rate">Taxa <span class="sort-arrow">&#x25B2;</span></th>
+            <th data-col="ptax">PTAX <span class="sort-arrow">&#x25B2;</span></th>
+            <th data-col="spread_pct">Spread% <span class="sort-arrow">&#x25B2;</span></th>
+            <th data-col="iof">IOF <span class="sort-arrow">&#x25B2;</span></th>
+            <th data-col="status">Status <span class="sort-arrow">&#x25B2;</span></th>
+            <th data-col="provider">Provider <span class="sort-arrow">&#x25B2;</span></th>
+          </tr></thead>
+          <tbody id="txTableBody"><tr><td colspan="10" style="text-align:center;color:var(--text-muted);">--</td></tr></tbody>
           <tfoot id="txTableFoot"></tfoot>
         </table>
       </div>
@@ -621,107 +525,70 @@ ${buildHeader({ role: role, userName: user.nome, activePage: 'cliente' })}
       Insights Comportamentais
     </div>
     <div class="charts-row triple">
-      <div class="chart-card">
-        <h3>Atividade por Dia da Semana</h3>
-        <div class="chart-wrap short"><canvas id="chartDow"></canvas></div>
-      </div>
-      <div class="chart-card">
-        <h3>Ticket Medio Mensal</h3>
-        <div class="chart-wrap short"><canvas id="chartAvgSize"></canvas></div>
-      </div>
-      <div class="chart-card">
-        <h3>Providers / Metodos</h3>
-        <div class="chart-wrap short"><canvas id="chartProvider"></canvas></div>
-      </div>
+      <div class="chart-card"><h3>Atividade por Dia da Semana</h3><div class="chart-wrap short"><canvas id="chartDow"></canvas></div></div>
+      <div class="chart-card"><h3>Ticket Medio Mensal</h3><div class="chart-wrap short"><canvas id="chartAvgSize"></canvas></div></div>
+      <div class="chart-card"><h3>Providers / Metodos</h3><div class="chart-wrap short"><canvas id="chartProvider"></canvas></div></div>
     </div>
 
-  </div><!-- /contentArea -->
+  </div>
+</div>
 
-</div><!-- /app-container -->
-
-<!-- Floating Console Nav -->
+<!-- Console Nav -->
 <nav class="console-nav" id="consoleNav" style="display:none;">
-  <a href="#searchWrap" class="console-nav-btn" data-section="searchWrap">
-    <span class="nav-icon">&#x1F50D;</span><span class="nav-label">Busca</span>
-  </a>
-  <a href="#heroGrid" class="console-nav-btn" data-section="heroGrid">
-    <span class="nav-icon">&#x1F4CA;</span><span class="nav-label">KPIs</span>
-  </a>
-  <a href="#sectionTimeline" class="console-nav-btn" data-section="sectionTimeline">
-    <span class="nav-icon">&#x1F4C8;</span><span class="nav-label">Timeline</span>
-  </a>
-  <a href="#sectionFlows" class="console-nav-btn" data-section="sectionFlows">
-    <span class="nav-icon">&#x21C4;</span><span class="nav-label">Fluxos</span>
-  </a>
-  <a href="#sectionTable" class="console-nav-btn" data-section="sectionTable">
-    <span class="nav-icon">&#x1F4CB;</span><span class="nav-label">Tabela</span>
-  </a>
-  <a href="#sectionInsights" class="console-nav-btn" data-section="sectionInsights">
-    <span class="nav-icon">&#x1F9E0;</span><span class="nav-label">Insights</span>
-  </a>
+  <a href="#searchWrap" class="console-nav-btn" data-section="searchWrap"><span class="nav-icon">&#x1F50D;</span><span class="nav-label">Busca</span></a>
+  <a href="#heroGrid" class="console-nav-btn" data-section="heroGrid"><span class="nav-icon">&#x1F4CA;</span><span class="nav-label">KPIs</span></a>
+  <a href="#sectionHealth" class="console-nav-btn" data-section="sectionHealth"><span class="nav-icon">&#x1F3AF;</span><span class="nav-label">Saude</span></a>
+  <a href="#sectionRevenue" class="console-nav-btn" data-section="sectionRevenue"><span class="nav-icon">&#x1F4B0;</span><span class="nav-label">Revenue</span></a>
+  <a href="#sectionTimeline" class="console-nav-btn" data-section="sectionTimeline"><span class="nav-icon">&#x1F4C8;</span><span class="nav-label">Timeline</span></a>
+  <a href="#sectionFlows" class="console-nav-btn" data-section="sectionFlows"><span class="nav-icon">&#x21C4;</span><span class="nav-label">Fluxos</span></a>
+  <a href="#sectionTable" class="console-nav-btn" data-section="sectionTable"><span class="nav-icon">&#x1F4CB;</span><span class="nav-label">Tabela</span></a>
+  <a href="#sectionInsights" class="console-nav-btn" data-section="sectionInsights"><span class="nav-icon">&#x1F9E0;</span><span class="nav-label">Insights</span></a>
 </nav>
 
-${buildFooter()}
+\${buildFooter()}
 
 <script>
 // === State ===
-var clientList = [];
-var selectedClientId = null;
-var profileData = null;
-var clientData = null;
-var currentStart = '${thirtyDaysAgo}';
-var currentEnd = '${today}';
-var currentPage = 1;
-var pageSize = 25;
-var sortCol = 'date';
-var sortDir = -1; // -1 = desc
-var timelineGran = 'D';
+var clientList = [], selectedClientId = null, profileData = null, clientData = null;
+var currentStart = '${thirtyDaysAgo}', currentEnd = '${today}';
+var currentPage = 1, pageSize = 25, sortCol = 'date', sortDir = -1, timelineGran = 'D';
 
 // === Formatters ===
-function fmtUSD(v) { return '$' + Number(v).toLocaleString('en-US', {minimumFractionDigits: 0, maximumFractionDigits: 0}); }
-function fmtBRL(v) { return 'R$' + Number(v).toLocaleString('pt-BR', {minimumFractionDigits: 2, maximumFractionDigits: 2}); }
+function fmtUSD(v) { return '$' + Number(v).toLocaleString('en-US', {minimumFractionDigits:0, maximumFractionDigits:0}); }
+function fmtBRL(v) { return 'R$' + Number(v).toLocaleString('pt-BR', {minimumFractionDigits:2, maximumFractionDigits:2}); }
 function fmtPct(v) { return Number(v).toFixed(2) + '%'; }
-function fmtDate(d) { if (!d) return '--'; var p = d.slice(0,10).split('-'); return p[2] + '/' + p[1] + '/' + p[0]; }
-function fmtDateShort(d) { var p = d.split('-'); return p[2] + '/' + p[1]; }
-function badge(current, previous, isMoney) {
-  if (!previous || previous === 0) return {cls:'neutral', text:'N/A'};
-  var pct = ((current - previous) / Math.abs(previous) * 100).toFixed(1);
-  if (pct > 0) return {cls:'up', text:'+' + pct + '%'};
-  if (pct < 0) return {cls:'down', text:pct + '%'};
-  return {cls:'neutral', text:'0%'};
+function fmtDate(d) { if (!d) return '--'; var p = d.slice(0,10).split('-'); return p[2]+'/'+p[1]+'/'+p[0]; }
+function fmtDateShort(d) { var p = d.split('-'); return p[2]+'/'+p[1]; }
+function badge(cur, prev) {
+  if (!prev || prev === 0) return {cls:'neutral', text:'N/A'};
+  var pct = ((cur - prev) / Math.abs(prev) * 100).toFixed(1);
+  return pct > 0 ? {cls:'up', text:'+'+pct+'%'} : pct < 0 ? {cls:'down', text:pct+'%'} : {cls:'neutral', text:'0%'};
 }
 
 // === Theme ===
 function getChartTheme() {
-  var isDark = document.documentElement.getAttribute('data-theme') === 'dark';
-  return isDark ? {
-    text: '#94A3B8', grid: 'rgba(0,255,136,0.06)',
-    tooltipBg: '#1A2332', tooltipTitle: '#E2E8F0', tooltipBody: '#94A3B8', tooltipBorder: 'rgba(0,255,136,0.15)',
-    donutColors: ['#58A6FF', '#00FF88'],
-    volumeBar: 'rgba(88,166,255,0.15)', volumeBorder: 'rgba(88,166,255,0.4)',
-    lineQtd: '#F9A825',
-    spreadBrl: '#58A6FF', spreadUsd: '#00FF88',
-    flowColors: ['#58A6FF', '#00FF88', '#BC8CFF'],
-    providerColors: ['#58A6FF','#00FF88','#BC8CFF','#F9A825','#FF7043','#78909C','#FF6B9D','#7C8CFF'],
-    dowBar: 'rgba(0,255,136,0.25)', dowBorder: 'rgba(0,255,136,0.6)',
-    avgLine: '#F9A825'
+  var dk = document.documentElement.getAttribute('data-theme') === 'dark';
+  return dk ? {
+    text:'#94A3B8', grid:'rgba(0,255,136,0.06)', tooltipBg:'#1A2332', tooltipTitle:'#E2E8F0', tooltipBody:'#94A3B8', tooltipBorder:'rgba(0,255,136,0.15)',
+    donutColors:['#58A6FF','#00FF88'], volumeBar:'rgba(88,166,255,0.15)', volumeBorder:'rgba(88,166,255,0.4)', lineQtd:'#F9A825',
+    spreadBrl:'#58A6FF', spreadUsd:'#00FF88', revBar:'rgba(0,255,136,0.2)', revBorder:'rgba(0,255,136,0.5)', revLine:'#58A6FF',
+    momUp:'rgba(0,255,136,0.4)', momDown:'rgba(255,68,68,0.4)', momBorderUp:'#00FF88', momBorderDown:'#FF4444',
+    flowColors:['#58A6FF','#00FF88','#BC8CFF'], providerColors:['#58A6FF','#00FF88','#BC8CFF','#F9A825','#FF7043','#78909C','#FF6B9D','#7C8CFF'],
+    dowBar:'rgba(0,255,136,0.25)', dowBorder:'rgba(0,255,136,0.6)', avgLine:'#F9A825',
+    healthGreen:'#00FF88', healthBlue:'#58A6FF', healthOrange:'#F0883E', healthRed:'#FF4444'
   } : {
-    text: '#5F6368', grid: 'rgba(0,0,0,0.06)',
-    tooltipBg: '#FFFFFF', tooltipTitle: '#1A1D23', tooltipBody: '#5F6368', tooltipBorder: 'rgba(0,0,0,0.1)',
-    donutColors: ['#1A73E8', '#1E8E3E'],
-    volumeBar: 'rgba(26,115,232,0.12)', volumeBorder: 'rgba(26,115,232,0.4)',
-    lineQtd: '#F57C00',
-    spreadBrl: '#1A73E8', spreadUsd: '#1E8E3E',
-    flowColors: ['#1A73E8', '#1E8E3E', '#7B1FA2'],
-    providerColors: ['#1A73E8','#1E8E3E','#7B1FA2','#F57C00','#D84315','#546E7A','#D81B60','#3F51B5'],
-    dowBar: 'rgba(30,142,62,0.2)', dowBorder: 'rgba(30,142,62,0.6)',
-    avgLine: '#F57C00'
+    text:'#5F6368', grid:'rgba(0,0,0,0.06)', tooltipBg:'#FFFFFF', tooltipTitle:'#1A1D23', tooltipBody:'#5F6368', tooltipBorder:'rgba(0,0,0,0.1)',
+    donutColors:['#1A73E8','#1E8E3E'], volumeBar:'rgba(26,115,232,0.12)', volumeBorder:'rgba(26,115,232,0.4)', lineQtd:'#F57C00',
+    spreadBrl:'#1A73E8', spreadUsd:'#1E8E3E', revBar:'rgba(30,142,62,0.15)', revBorder:'rgba(30,142,62,0.5)', revLine:'#1A73E8',
+    momUp:'rgba(30,142,62,0.3)', momDown:'rgba(217,48,37,0.3)', momBorderUp:'#1E8E3E', momBorderDown:'#D93025',
+    flowColors:['#1A73E8','#1E8E3E','#7B1FA2'], providerColors:['#1A73E8','#1E8E3E','#7B1FA2','#F57C00','#D84315','#546E7A','#D81B60','#3F51B5'],
+    dowBar:'rgba(30,142,62,0.2)', dowBorder:'rgba(30,142,62,0.6)', avgLine:'#F57C00',
+    healthGreen:'#1E8E3E', healthBlue:'#1A73E8', healthOrange:'#E8710A', healthRed:'#D93025'
   };
 }
 function applyChartDefaults(t) {
   if (typeof Chart === 'undefined') return;
-  Chart.defaults.color = t.text;
-  Chart.defaults.borderColor = t.grid;
+  Chart.defaults.color = t.text; Chart.defaults.borderColor = t.grid;
   Chart.defaults.plugins.legend.labels.color = t.text;
   Chart.defaults.plugins.tooltip.backgroundColor = t.tooltipBg;
   Chart.defaults.plugins.tooltip.titleColor = t.tooltipTitle;
@@ -730,12 +597,130 @@ function applyChartDefaults(t) {
   Chart.defaults.plugins.tooltip.borderWidth = 1;
 }
 
-// === Chart instances ===
-var chartTimeline, chartFlowDonut, chartSpreadTrend, chartDow, chartAvgSize, chartProvider;
-
+// === Charts ===
+var chartTimeline, chartFlowDonut, chartSpreadTrend, chartDow, chartAvgSize, chartProvider, chartMonthlyRev, chartMoM;
 function destroyAllCharts() {
-  [chartTimeline, chartFlowDonut, chartSpreadTrend, chartDow, chartAvgSize, chartProvider].forEach(function(c) { if (c) c.destroy(); });
-  chartTimeline = chartFlowDonut = chartSpreadTrend = chartDow = chartAvgSize = chartProvider = null;
+  [chartTimeline, chartFlowDonut, chartSpreadTrend, chartDow, chartAvgSize, chartProvider, chartMonthlyRev, chartMoM].forEach(function(c){if(c)c.destroy();});
+  chartTimeline = chartFlowDonut = chartSpreadTrend = chartDow = chartAvgSize = chartProvider = chartMonthlyRev = chartMoM = null;
+}
+
+// === Health Score ===
+function computeHealthScore(profile, data) {
+  var monthsActive = profile.months_active || 1;
+  var lifetimeMonthlyAvg = profile.total_vol_usd / monthsActive;
+  var periodMonths = Math.max(1, (data.monthly || []).length);
+  var periodMonthlyAvg = data.kpis.total.vol_usd / periodMonths;
+
+  // Volume (0-25): current vs lifetime
+  var volRatio = lifetimeMonthlyAvg > 0 ? Math.min(2, periodMonthlyAvg / lifetimeMonthlyAvg) : 0;
+  var volScore = Math.min(25, Math.round(volRatio * 12.5));
+
+  // Frequency (0-25): ops per month
+  var freqPerMonth = data.kpis.total.qtd / periodMonths;
+  var freqScore = Math.min(25, Math.round(Math.min(freqPerMonth / 4, 1) * 25));
+
+  // Recency (0-25): days inactive
+  var di = profile.days_inactive || 0;
+  var recScore = di <= 7 ? 25 : di <= 14 ? 22 : di <= 30 ? 18 : di <= 60 ? 12 : di <= 90 ? 6 : 0;
+
+  // Growth (0-25): MoM trend
+  var growScore = 12;
+  var monthly = data.monthly || [];
+  if (monthly.length >= 2) {
+    var recent = monthly[monthly.length - 1].vol_usd;
+    var prev = monthly[monthly.length - 2].vol_usd;
+    var g = prev > 0 ? (recent - prev) / prev : 0;
+    growScore = g >= 0.2 ? 25 : g >= 0.05 ? 20 : g >= 0 ? 15 : g >= -0.1 ? 10 : g >= -0.3 ? 5 : 0;
+  }
+
+  var total = volScore + freqScore + recScore + growScore;
+  var level, color;
+  if (total >= 75) { level = 'Excelente'; color = 'green'; }
+  else if (total >= 55) { level = 'Bom'; color = 'blue'; }
+  else if (total >= 35) { level = 'Atencao'; color = 'orange'; }
+  else { level = 'Em Risco'; color = 'red'; }
+
+  return { total: total, level: level, color: color, volume: volScore, frequency: freqScore, recency: recScore, growth: growScore };
+}
+
+function renderHealthScore(hs, t) {
+  // Profile badge
+  var box = document.getElementById('healthScoreBox');
+  box.className = 'health-score-box score-' + hs.color;
+  document.getElementById('healthScoreNum').className = 'health-score-number ' + hs.color;
+  document.getElementById('healthScoreNum').textContent = hs.total;
+  document.getElementById('healthScoreLabel').textContent = hs.level;
+
+  // Gauge
+  var circumference = 2 * Math.PI * 60; // r=60
+  var offset = circumference - (hs.total / 100) * circumference;
+  var fill = document.getElementById('healthGaugeFill');
+  fill.style.strokeDashoffset = offset;
+  var colorMap = {green: t.healthGreen, blue: t.healthBlue, orange: t.healthOrange, red: t.healthRed};
+  fill.style.stroke = colorMap[hs.color] || t.healthGreen;
+  var gs = document.getElementById('healthGaugeScore');
+  gs.textContent = hs.total;
+  gs.style.color = colorMap[hs.color];
+  document.getElementById('healthGaugeLabel').textContent = hs.level;
+
+  // Breakdown bars
+  var items = [{id:'Vol', val:hs.volume}, {id:'Freq', val:hs.frequency}, {id:'Rec', val:hs.recency}, {id:'Grow', val:hs.growth}];
+  items.forEach(function(it) {
+    document.getElementById('hb'+it.id).style.width = (it.val / 25 * 100) + '%';
+    document.getElementById('hb'+it.id+'Val').textContent = it.val + '/25';
+  });
+}
+
+// === Churn Risk ===
+function computeAndRenderRisk(profile, data) {
+  var c = data.comparison;
+  var volChange = c.prev_vol_usd > 0 ? ((data.kpis.total.vol_usd - c.prev_vol_usd) / c.prev_vol_usd * 100) : null;
+  var txChange = c.prev_qtd > 0 ? ((data.kpis.total.qtd - c.prev_qtd) / c.prev_qtd * 100) : null;
+  var di = profile.days_inactive || 0;
+  var avgInterval = profile.total_ops > 1 && profile.months_active > 0 ? Math.round(profile.months_active * 30.44 / profile.total_ops) : null;
+
+  // Risk scoring
+  var pts = 0;
+  if (volChange !== null && volChange < -30) pts += 3; else if (volChange !== null && volChange < -10) pts += 1;
+  if (txChange !== null && txChange < -30) pts += 3; else if (txChange !== null && txChange < -10) pts += 1;
+  if (di > 90) pts += 3; else if (di > 30) pts += 2; else if (di > 14) pts += 1;
+
+  var level, cls;
+  if (pts >= 7) { level = 'CRITICO'; cls = 'critico'; }
+  else if (pts >= 4) { level = 'ALTO'; cls = 'alto'; }
+  else if (pts >= 2) { level = 'MEDIO'; cls = 'medio'; }
+  else { level = 'BAIXO'; cls = 'baixo'; }
+
+  document.getElementById('riskBadge').className = 'risk-level-badge ' + cls;
+  document.getElementById('riskBadge').textContent = level;
+
+  function fmtChange(v) {
+    if (v === null) return {text: 'N/A', cls: 'neutral'};
+    var txt = (v >= 0 ? '+' : '') + v.toFixed(1) + '%';
+    return {text: txt, cls: v >= 0 ? 'positive' : 'negative'};
+  }
+  var vc = fmtChange(volChange); var tc = fmtChange(txChange);
+  document.getElementById('riskVol').textContent = vc.text; document.getElementById('riskVol').className = 'risk-row-value ' + vc.cls;
+  document.getElementById('riskTx').textContent = tc.text; document.getElementById('riskTx').className = 'risk-row-value ' + tc.cls;
+  document.getElementById('riskDays').textContent = di + 'd';
+  document.getElementById('riskDays').className = 'risk-row-value ' + (di > 30 ? 'negative' : di > 14 ? 'neutral' : 'positive');
+  document.getElementById('riskInterval').textContent = avgInterval ? avgInterval + 'd' : 'N/A';
+  document.getElementById('riskInterval').className = 'risk-row-value neutral';
+}
+
+// === Netting ===
+function renderNetting(data) {
+  var out = data.kpis.brlUsd.vol_usd;
+  var inp = data.kpis.usdBrl.vol_usd;
+  var net = inp - out;
+  var eff = Math.max(out, inp) > 0 ? Math.round(Math.min(out, inp) / Math.max(out, inp) * 100) : 0;
+  document.getElementById('netOut').textContent = fmtUSD(out);
+  document.getElementById('netIn').textContent = fmtUSD(inp);
+  var posEl = document.getElementById('netPos');
+  posEl.textContent = (net >= 0 ? '+' : '') + fmtUSD(net);
+  posEl.className = 'netting-value ' + (net >= 0 ? 'green' : 'red');
+  document.getElementById('netEff').textContent = eff + '%';
+  document.getElementById('netEffBar').style.width = eff + '%';
 }
 
 // === Client Search ===
@@ -743,42 +728,28 @@ var _searchTimer = null;
 function loadClients() {
   fetch('/admin/api/clientes').then(function(r){return r.json();}).then(function(data) {
     clientList = data;
-    // Deep-link support
     var params = new URLSearchParams(window.location.search);
     var deepId = params.get('id');
-    if (deepId) {
-      var match = clientList.find(function(c){return String(c.id) === String(deepId);});
-      if (match) selectClient(match.id, match.nome);
-    }
+    if (deepId) { var m = clientList.find(function(c){return String(c.id)===String(deepId);}); if (m) selectClient(m.id, m.nome); }
   }).catch(function(e){ console.error('loadClients:', e); });
 }
-
 document.getElementById('searchInput').addEventListener('input', function(e) {
   clearTimeout(_searchTimer);
   var val = e.target.value.trim().toLowerCase();
   _searchTimer = setTimeout(function() {
     var dd = document.getElementById('searchDropdown');
     if (val.length < 1) { dd.classList.remove('open'); return; }
-    var matches = clientList.filter(function(c) { return c.nome.toLowerCase().indexOf(val) !== -1; }).slice(0, 15);
-    if (matches.length === 0) { dd.innerHTML = '<div class="client-dropdown-item" style="color:var(--text-muted);">Nenhum resultado</div>'; dd.classList.add('open'); return; }
-    dd.innerHTML = matches.map(function(c) {
-      return '<div class="client-dropdown-item" data-id="' + c.id + '" data-nome="' + c.nome.replace(/"/g, '&quot;') + '">' + c.nome + '<span class="item-id">#' + c.id + '</span></div>';
-    }).join('');
+    var matches = clientList.filter(function(c){return c.nome.toLowerCase().indexOf(val)!==-1;}).slice(0,15);
+    if (!matches.length) { dd.innerHTML = '<div class="client-dropdown-item" style="color:var(--text-muted)">Nenhum resultado</div>'; dd.classList.add('open'); return; }
+    dd.innerHTML = matches.map(function(c){return '<div class="client-dropdown-item" data-id="'+c.id+'" data-nome="'+c.nome.replace(/"/g,'&quot;')+'">'+c.nome+'<span class="item-id">#'+c.id+'</span></div>';}).join('');
     dd.classList.add('open');
   }, 200);
 });
-
 document.getElementById('searchDropdown').addEventListener('click', function(e) {
-  var item = e.target.closest('.client-dropdown-item');
-  if (!item || !item.dataset.id) return;
+  var item = e.target.closest('.client-dropdown-item'); if (!item || !item.dataset.id) return;
   selectClient(item.dataset.id, item.dataset.nome);
 });
-
-document.addEventListener('click', function(e) {
-  if (!e.target.closest('.client-search-wrap')) {
-    document.getElementById('searchDropdown').classList.remove('open');
-  }
-});
+document.addEventListener('click', function(e) { if (!e.target.closest('.client-search-wrap')) document.getElementById('searchDropdown').classList.remove('open'); });
 
 function selectClient(id, nome) {
   selectedClientId = id;
@@ -788,16 +759,9 @@ function selectClient(id, nome) {
   document.getElementById('emptyState').style.display = 'none';
   document.getElementById('contentArea').classList.add('visible');
   document.getElementById('consoleNav').style.display = '';
-
-  // Update URL without reload
-  var url = new URL(window.location);
-  url.searchParams.set('id', id);
-  history.replaceState(null, '', url);
-
-  loadProfile();
-  loadData();
+  var url = new URL(window.location); url.searchParams.set('id', id); history.replaceState(null, '', url);
+  loadProfile(); loadData();
 }
-
 function clearClient() {
   selectedClientId = null; profileData = null; clientData = null;
   document.getElementById('searchWrap').style.display = '';
@@ -807,86 +771,82 @@ function clearClient() {
   document.getElementById('contentArea').classList.remove('visible');
   document.getElementById('consoleNav').style.display = 'none';
   destroyAllCharts();
-  var url = new URL(window.location);
-  url.searchParams.delete('id');
-  history.replaceState(null, '', url);
+  var url = new URL(window.location); url.searchParams.delete('id'); history.replaceState(null, '', url);
 }
 
 // === Profile ===
 function loadProfile() {
   fetch('/admin/api/cliente/' + selectedClientId + '/profile').then(function(r){return r.json();}).then(function(data) {
-    profileData = data;
-    renderProfile(data);
-  }).catch(function(e){ console.error('loadProfile:', e); });
+    profileData = data; renderProfile(data);
+  });
 }
-
 function renderProfile(p) {
-  var initials = p.nome.split(' ').map(function(w){return w[0];}).slice(0,2).join('').toUpperCase();
-  document.getElementById('profileAvatar').textContent = initials;
+  var ini = p.nome.split(' ').map(function(w){return w[0];}).slice(0,2).join('').toUpperCase();
+  document.getElementById('profileAvatar').textContent = ini;
   document.getElementById('profileName').textContent = p.nome;
   document.getElementById('profileId').textContent = 'ID: ' + p.id;
   document.getElementById('profileFirstOp').textContent = p.first_op ? fmtDate(p.first_op) : '--';
   document.getElementById('profileLastOp').textContent = p.last_op ? fmtDate(p.last_op) : '--';
-  document.getElementById('profileInactive').textContent = p.days_inactive !== null ? p.days_inactive + 'd' : '--';
+  document.getElementById('profileMonths').textContent = p.months_active || '--';
+  document.getElementById('profileLTV').textContent = fmtUSD(p.ltv || p.total_spread_revenue);
   document.getElementById('profileVolume').textContent = fmtUSD(p.total_vol_usd);
   document.getElementById('profileOps').textContent = p.total_ops;
-  document.getElementById('profileRevenue').textContent = fmtBRL(p.total_spread_revenue);
 }
 
 // === Data Loading ===
 function loadData() {
   if (!selectedClientId) return;
   document.getElementById('periodInfo').textContent = 'Carregando...';
-  var url = '/admin/api/cliente/' + selectedClientId + '/data?start=' + currentStart + '&end=' + currentEnd;
-  fetch(url).then(function(r){return r.json();}).then(function(data) {
-    clientData = data;
-    renderAll(data);
-  }).catch(function(e){ console.error('loadData:', e); document.getElementById('periodInfo').textContent = 'Erro ao carregar'; });
+  fetch('/admin/api/cliente/' + selectedClientId + '/data?start=' + currentStart + '&end=' + currentEnd)
+    .then(function(r){return r.json();}).then(function(data) { clientData = data; renderAll(data); })
+    .catch(function(e){ document.getElementById('periodInfo').textContent = 'Erro'; });
 }
-
 function renderAll(d) {
-  renderKPIs(d);
-  renderCharts(d);
-  renderTable(d);
-  updatePeriodInfo();
+  var t = getChartTheme(); applyChartDefaults(t);
+  renderKPIs(d); renderIntelligence(d, t); renderCharts(d, t); renderTable(d); updatePeriodInfo();
 }
-
 function updatePeriodInfo() {
   var s = new Date(currentStart), e = new Date(currentEnd);
   var days = Math.round((e - s) / 86400000) + 1;
-  document.getElementById('periodInfo').textContent = fmtDate(currentStart) + ' - ' + fmtDate(currentEnd) + ' (' + days + ' dias)';
+  document.getElementById('periodInfo').textContent = fmtDate(currentStart) + ' - ' + fmtDate(currentEnd) + ' (' + days + 'd)';
 }
 
 // === KPIs ===
 function renderKPIs(d) {
-  var k = d.kpis.total;
-  var c = d.comparison;
+  var k = d.kpis.total, c = d.comparison;
   document.getElementById('kpiVolume').textContent = fmtUSD(k.vol_usd);
   document.getElementById('kpiTx').textContent = k.qtd;
-  document.getElementById('kpiSpread').textContent = fmtBRL(k.spread_revenue);
+  document.getElementById('kpiSpread').textContent = fmtUSD(k.spread_revenue);
   document.getElementById('kpiTicket').textContent = fmtUSD(k.ticket_medio);
   document.getElementById('kpiAvgSpread').textContent = fmtPct(k.avg_spread_pct);
+  // ARPA: receita por mes no periodo
+  var periodMonths = Math.max(1, (d.monthly || []).length);
+  document.getElementById('kpiARPA').textContent = fmtUSD(k.spread_revenue / periodMonths);
 
   var bv = badge(k.vol_usd, c.prev_vol_usd);
-  document.getElementById('kpiVolBadge').className = 'hero-badge ' + bv.cls;
-  document.getElementById('kpiVolBadge').textContent = bv.text;
-
+  document.getElementById('kpiVolBadge').className = 'hero-badge ' + bv.cls; document.getElementById('kpiVolBadge').textContent = bv.text;
   var bt = badge(k.qtd, c.prev_qtd);
-  document.getElementById('kpiTxBadge').className = 'hero-badge ' + bt.cls;
-  document.getElementById('kpiTxBadge').textContent = bt.text;
-
+  document.getElementById('kpiTxBadge').className = 'hero-badge ' + bt.cls; document.getElementById('kpiTxBadge').textContent = bt.text;
   var bs = badge(k.spread_revenue, c.prev_spread);
-  document.getElementById('kpiSpreadBadge').className = 'hero-badge ' + bs.cls;
-  document.getElementById('kpiSpreadBadge').textContent = bs.text;
+  document.getElementById('kpiSpreadBadge').className = 'hero-badge ' + bs.cls; document.getElementById('kpiSpreadBadge').textContent = bs.text;
+}
+
+// === Intelligence (Health + Risk + Netting) ===
+function renderIntelligence(d, t) {
+  if (profileData) {
+    var hs = computeHealthScore(profileData, d);
+    renderHealthScore(hs, t);
+    computeAndRenderRisk(profileData, d);
+  }
+  renderNetting(d);
 }
 
 // === Charts ===
-function renderCharts(d) {
+function renderCharts(d, t) {
   if (typeof Chart === 'undefined') return;
   destroyAllCharts();
-  var t = getChartTheme();
-  applyChartDefaults(t);
-
+  renderMonthlyRevenue(d, t);
+  renderMoMChart(d, t);
   renderTimeline(d, t);
   renderFlowDonut(d, t);
   renderSpreadTrend(d, t);
@@ -895,380 +855,259 @@ function renderCharts(d) {
   renderProviderChart(d, t);
 }
 
-// Timeline: bar (volume) + line (qtd) with D/W/M
+// Revenue Monthly
+function renderMonthlyRevenue(d, t) {
+  var m = d.monthly || []; if (!m.length) return;
+  try {
+  chartMonthlyRev = new Chart(document.getElementById('chartMonthlyRev'), {
+    type: 'bar', data: {
+      labels: m.map(function(x){return x.mes;}),
+      datasets: [
+        { label: 'Receita USD', data: m.map(function(x){return x.spread_revenue;}), backgroundColor: t.revBar, borderColor: t.revBorder, borderWidth: 1, borderRadius: 4, yAxisID: 'y', order: 2 },
+        { label: 'Volume USD', data: m.map(function(x){return x.vol_usd;}), type: 'line', borderColor: t.revLine, backgroundColor: 'transparent', borderWidth: 2, pointRadius: 3, tension: 0.3, yAxisID: 'y1', order: 1 }
+      ]
+    }, options: {
+      responsive: true, maintainAspectRatio: false, interaction: {mode:'index', intersect:false},
+      plugins: { legend: {position:'top', labels:{font:{size:11,weight:600},padding:12}},
+        tooltip: { callbacks: { label: function(ctx) { return ctx.dataset.label === 'Receita USD' ? 'Receita: ' + fmtUSD(ctx.raw) : 'Volume: ' + fmtUSD(ctx.raw); }}}},
+      scales: {
+        y: { position:'left', grid:{color:t.grid}, ticks:{callback:function(v){return fmtUSD(v);}, font:{size:10}} },
+        y1: { position:'right', grid:{display:false}, ticks:{callback:function(v){return fmtUSD(v);}, font:{size:10}} },
+        x: { grid:{display:false}, ticks:{font:{size:10}} }
+      }
+    }
+  }); } catch(e) { console.warn('chartMonthlyRev:', e.message); }
+}
+
+// MoM Growth
+function renderMoMChart(d, t) {
+  var m = d.monthly || []; if (m.length < 2) return;
+  var labels = [], values = [], colors = [], borders = [];
+  for (var i = 1; i < m.length; i++) {
+    var prev = m[i-1].vol_usd; var cur = m[i].vol_usd;
+    var pct = prev > 0 ? ((cur - prev) / prev * 100) : 0;
+    labels.push(m[i].mes);
+    values.push(Math.round(pct * 10) / 10);
+    colors.push(pct >= 0 ? t.momUp : t.momDown);
+    borders.push(pct >= 0 ? t.momBorderUp : t.momBorderDown);
+  }
+  try {
+  chartMoM = new Chart(document.getElementById('chartMoM'), {
+    type: 'bar', data: {
+      labels: labels, datasets: [{ label: 'MoM %', data: values, backgroundColor: colors, borderColor: borders, borderWidth: 1, borderRadius: 4 }]
+    }, options: {
+      responsive: true, maintainAspectRatio: false,
+      plugins: { legend:{display:false}, tooltip:{callbacks:{label:function(ctx){return 'MoM: '+(ctx.raw>=0?'+':'')+ctx.raw+'%';}}} },
+      scales: {
+        y: { grid:{color:t.grid}, ticks:{callback:function(v){return v+'%';}, font:{size:10}} },
+        x: { grid:{display:false}, ticks:{font:{size:10}} }
+      }
+    }
+  }); } catch(e) { console.warn('chartMoM:', e.message); }
+}
+
+// Timeline
 function renderTimeline(d, t) {
-  // Merge both flows daily
   var dayMap = {};
-  d.trend.brlUsd.forEach(function(r) { if (!dayMap[r.dia]) dayMap[r.dia] = {vol:0,qtd:0}; dayMap[r.dia].vol += r.vol_usd; dayMap[r.dia].qtd += r.qtd; });
-  d.trend.usdBrl.forEach(function(r) { if (!dayMap[r.dia]) dayMap[r.dia] = {vol:0,qtd:0}; dayMap[r.dia].vol += r.vol_usd; dayMap[r.dia].qtd += r.qtd; });
-
-  var days = Object.keys(dayMap).sort();
-  if (days.length === 0) return;
-
-  // Aggregate by granularity
+  d.trend.brlUsd.forEach(function(r){ if (!dayMap[r.dia]) dayMap[r.dia]={vol:0,qtd:0}; dayMap[r.dia].vol+=r.vol_usd; dayMap[r.dia].qtd+=r.qtd; });
+  d.trend.usdBrl.forEach(function(r){ if (!dayMap[r.dia]) dayMap[r.dia]={vol:0,qtd:0}; dayMap[r.dia].vol+=r.vol_usd; dayMap[r.dia].qtd+=r.qtd; });
+  var days = Object.keys(dayMap).sort(); if (!days.length) return;
   var buckets = aggregateBuckets(days, dayMap, timelineGran);
-
   try {
   chartTimeline = new Chart(document.getElementById('chartTimeline'), {
-    type: 'bar',
-    data: {
+    type: 'bar', data: {
       labels: buckets.labels,
       datasets: [
         { label: 'Volume USD', data: buckets.vols, type: 'bar', backgroundColor: t.volumeBar, borderColor: t.volumeBorder, borderWidth: 1, borderRadius: 4, yAxisID: 'y', order: 2 },
-        { label: 'Qtd Ops', data: buckets.qtds, type: 'line', borderColor: t.lineQtd, backgroundColor: 'transparent', borderWidth: 2, pointRadius: 3, pointHoverRadius: 5, tension: 0.3, yAxisID: 'y1', order: 1 }
+        { label: 'Qtd Ops', data: buckets.qtds, type: 'line', borderColor: t.lineQtd, backgroundColor: 'transparent', borderWidth: 2, pointRadius: 3, tension: 0.3, yAxisID: 'y1', order: 1 }
       ]
-    },
-    options: {
-      responsive: true, maintainAspectRatio: false, interaction: { mode: 'index', intersect: false },
-      plugins: { legend: { position: 'top', labels: { font: { size: 11, weight: 600 }, padding: 12 } },
-        tooltip: { callbacks: { label: function(ctx) { return ctx.dataset.label === 'Volume USD' ? 'Volume: ' + fmtUSD(ctx.raw) : 'Qtd: ' + ctx.raw; } } }
-      },
+    }, options: {
+      responsive: true, maintainAspectRatio: false, interaction: {mode:'index', intersect:false},
+      plugins: { legend:{position:'top', labels:{font:{size:11,weight:600},padding:12}}, tooltip:{callbacks:{label:function(ctx){return ctx.dataset.label==='Volume USD'?'Volume: '+fmtUSD(ctx.raw):'Qtd: '+ctx.raw;}}} },
       scales: {
-        y: { position: 'left', grid: { color: t.grid }, ticks: { callback: function(v){return fmtUSD(v);}, font: { size: 10 } } },
-        y1: { position: 'right', grid: { display: false }, ticks: { font: { size: 10 }, stepSize: 1 }, min: 0 },
-        x: { grid: { display: false }, ticks: { font: { size: 10 }, maxRotation: 45 } }
+        y: { position:'left', grid:{color:t.grid}, ticks:{callback:function(v){return fmtUSD(v);}, font:{size:10}} },
+        y1: { position:'right', grid:{display:false}, ticks:{font:{size:10}, stepSize:1}, min:0 },
+        x: { grid:{display:false}, ticks:{font:{size:10}, maxRotation:45} }
       }
     }
-  });
-  } catch(e) { console.warn('chartTimeline:', e.message); }
+  }); } catch(e) { console.warn('chartTimeline:', e.message); }
 }
-
 function aggregateBuckets(days, dayMap, gran) {
-  if (gran === 'D') {
-    return { labels: days.map(fmtDateShort), vols: days.map(function(d){return dayMap[d].vol;}), qtds: days.map(function(d){return dayMap[d].qtd;}) };
-  }
-  var bucketMap = {};
+  if (gran === 'D') return { labels: days.map(fmtDateShort), vols: days.map(function(d){return dayMap[d].vol;}), qtds: days.map(function(d){return dayMap[d].qtd;}) };
+  var bm = {};
   days.forEach(function(day) {
     var key;
-    if (gran === 'W') {
-      var dt = new Date(day); var d = dt.getDay(); var diff = dt.getDate() - d + (d === 0 ? -6 : 1);
-      key = new Date(dt.setDate(diff)).toISOString().slice(0,10);
-    } else {
-      key = day.slice(0,7);
-    }
-    if (!bucketMap[key]) bucketMap[key] = {vol:0,qtd:0};
-    bucketMap[key].vol += dayMap[day].vol;
-    bucketMap[key].qtd += dayMap[day].qtd;
+    if (gran === 'W') { var dt = new Date(day); var wd = dt.getDay(); var diff = dt.getDate() - wd + (wd === 0 ? -6 : 1); key = new Date(dt.setDate(diff)).toISOString().slice(0,10); }
+    else { key = day.slice(0,7); }
+    if (!bm[key]) bm[key] = {vol:0,qtd:0}; bm[key].vol += dayMap[day].vol; bm[key].qtd += dayMap[day].qtd;
   });
-  var keys = Object.keys(bucketMap).sort();
-  return {
-    labels: keys.map(function(k){ return gran === 'W' ? 'S/' + fmtDateShort(k) : k; }),
-    vols: keys.map(function(k){return bucketMap[k].vol;}),
-    qtds: keys.map(function(k){return bucketMap[k].qtd;})
-  };
+  var keys = Object.keys(bm).sort();
+  return { labels: keys.map(function(k){return gran==='W'?'S/'+fmtDateShort(k):k;}), vols: keys.map(function(k){return bm[k].vol;}), qtds: keys.map(function(k){return bm[k].qtd;}) };
 }
 
 // Flow Donut
 function renderFlowDonut(d, t) {
-  var brlVol = d.kpis.brlUsd.vol_usd;
-  var usdVol = d.kpis.usdBrl.vol_usd;
-  if (brlVol === 0 && usdVol === 0) return;
+  var bv = d.kpis.brlUsd.vol_usd, uv = d.kpis.usdBrl.vol_usd; if (!bv && !uv) return;
   try {
   chartFlowDonut = new Chart(document.getElementById('chartFlowDonut'), {
-    type: 'doughnut',
-    data: {
-      labels: ['BRL \\u2192 USD', 'USD \\u2192 BRL'],
-      datasets: [{ data: [brlVol, usdVol], backgroundColor: t.donutColors, borderWidth: 0, hoverOffset: 8 }]
-    },
-    options: { responsive: true, maintainAspectRatio: false, cutout: '65%',
-      plugins: { legend: { position: 'bottom', labels: { padding: 16, font: { size: 12, weight: 600 } } },
-        tooltip: { callbacks: { label: function(ctx) { return ctx.label + ': ' + fmtUSD(ctx.raw); } } }
-      }
-    }
-  });
-  } catch(e) { console.warn('chartFlowDonut:', e.message); }
+    type: 'doughnut', data: { labels: ['BRL \\u2192 USD','USD \\u2192 BRL'], datasets: [{data:[bv,uv], backgroundColor:t.donutColors, borderWidth:0, hoverOffset:8}] },
+    options: { responsive:true, maintainAspectRatio:false, cutout:'65%', plugins:{legend:{position:'bottom', labels:{padding:16, font:{size:12,weight:600}}}, tooltip:{callbacks:{label:function(ctx){return ctx.label+': '+fmtUSD(ctx.raw);}}}}}
+  }); } catch(e) {}
 }
 
-// Spread Trend by flow
+// Spread Trend
 function renderSpreadTrend(d, t) {
   var allDays = new Set();
-  d.trend.brlUsd.forEach(function(r){ allDays.add(r.dia); });
-  d.trend.usdBrl.forEach(function(r){ allDays.add(r.dia); });
-  var days = Array.from(allDays).sort();
-  if (days.length === 0) return;
-
-  var brlMap = {}, usdMap = {};
-  d.trend.brlUsd.forEach(function(r){ brlMap[r.dia] = r.avg_spread; });
-  d.trend.usdBrl.forEach(function(r){ usdMap[r.dia] = r.avg_spread; });
-
+  d.trend.brlUsd.forEach(function(r){allDays.add(r.dia);}); d.trend.usdBrl.forEach(function(r){allDays.add(r.dia);});
+  var days = Array.from(allDays).sort(); if (!days.length) return;
+  var bm = {}, um = {}; d.trend.brlUsd.forEach(function(r){bm[r.dia]=r.avg_spread;}); d.trend.usdBrl.forEach(function(r){um[r.dia]=r.avg_spread;});
   try {
   chartSpreadTrend = new Chart(document.getElementById('chartSpreadTrend'), {
-    type: 'line',
-    data: {
+    type: 'line', data: {
       labels: days.map(fmtDateShort),
       datasets: [
-        { label: 'BRL\\u2192USD', data: days.map(function(d){return brlMap[d] != null ? brlMap[d] : null;}), borderColor: t.spreadBrl, backgroundColor: 'transparent', borderWidth: 2, pointRadius: 2, tension: 0.3, spanGaps: true },
-        { label: 'USD\\u2192BRL', data: days.map(function(d){return usdMap[d] != null ? usdMap[d] : null;}), borderColor: t.spreadUsd, backgroundColor: 'transparent', borderWidth: 2, pointRadius: 2, tension: 0.3, spanGaps: true }
+        { label: 'BRL\\u2192USD', data: days.map(function(d){return bm[d]!=null?bm[d]:null;}), borderColor: t.spreadBrl, backgroundColor:'transparent', borderWidth:2, pointRadius:2, tension:0.3, spanGaps:true },
+        { label: 'USD\\u2192BRL', data: days.map(function(d){return um[d]!=null?um[d]:null;}), borderColor: t.spreadUsd, backgroundColor:'transparent', borderWidth:2, pointRadius:2, tension:0.3, spanGaps:true }
       ]
-    },
-    options: {
-      responsive: true, maintainAspectRatio: false, interaction: { mode: 'index', intersect: false },
-      plugins: { legend: { position: 'top', labels: { font: { size: 11, weight: 600 }, padding: 12 } },
-        tooltip: { callbacks: { label: function(ctx) { return ctx.dataset.label + ': ' + (ctx.raw !== null ? ctx.raw.toFixed(2) + '%' : 'N/A'); } } }
-      },
-      scales: {
-        y: { grid: { color: t.grid }, ticks: { callback: function(v){return v.toFixed(1) + '%';}, font: { size: 10 } }, min: 0 },
-        x: { grid: { display: false }, ticks: { font: { size: 10 }, maxRotation: 45 } }
-      }
+    }, options: {
+      responsive:true, maintainAspectRatio:false, interaction:{mode:'index', intersect:false},
+      plugins: { legend:{position:'top', labels:{font:{size:11,weight:600},padding:12}}, tooltip:{callbacks:{label:function(ctx){return ctx.dataset.label+': '+(ctx.raw!==null?ctx.raw.toFixed(2)+'%':'N/A');}}} },
+      scales: { y:{grid:{color:t.grid}, ticks:{callback:function(v){return v.toFixed(1)+'%';}, font:{size:10}}, min:0}, x:{grid:{display:false}, ticks:{font:{size:10}, maxRotation:45}} }
     }
-  });
-  } catch(e) { console.warn('chartSpreadTrend:', e.message); }
+  }); } catch(e) {}
 }
 
-// Day of week bar
+// Day of Week
 function renderDow(d, t) {
-  var dowNames = ['Dom', 'Seg', 'Ter', 'Qua', 'Qui', 'Sex', 'Sab'];
-  var qtds = []; for (var i = 1; i <= 7; i++) qtds.push(d.dayOfWeek[i] ? d.dayOfWeek[i].qtd : 0);
+  var names = ['Dom','Seg','Ter','Qua','Qui','Sex','Sab'];
+  var qtds = []; for (var i=1;i<=7;i++) qtds.push(d.dayOfWeek[i]?d.dayOfWeek[i].qtd:0);
   try {
   chartDow = new Chart(document.getElementById('chartDow'), {
-    type: 'bar',
-    data: {
-      labels: dowNames,
-      datasets: [{ label: 'Operacoes', data: qtds, backgroundColor: t.dowBar, borderColor: t.dowBorder, borderWidth: 1, borderRadius: 4 }]
-    },
-    options: {
-      responsive: true, maintainAspectRatio: false, indexAxis: 'y',
-      plugins: { legend: { display: false } },
-      scales: {
-        x: { grid: { color: t.grid }, ticks: { font: { size: 10 }, stepSize: 1 } },
-        y: { grid: { display: false }, ticks: { font: { size: 11, weight: 600 } } }
-      }
-    }
-  });
-  } catch(e) { console.warn('chartDow:', e.message); }
+    type:'bar', data:{ labels:names, datasets:[{label:'Ops', data:qtds, backgroundColor:t.dowBar, borderColor:t.dowBorder, borderWidth:1, borderRadius:4}] },
+    options:{ responsive:true, maintainAspectRatio:false, indexAxis:'y', plugins:{legend:{display:false}}, scales:{x:{grid:{color:t.grid}, ticks:{font:{size:10}, stepSize:1}}, y:{grid:{display:false}, ticks:{font:{size:11,weight:600}}}} }
+  }); } catch(e) {}
 }
 
-// Monthly avg ticket
+// Monthly Avg Ticket
 function renderAvgSize(d, t) {
-  if (!d.monthlyAvg || d.monthlyAvg.length === 0) return;
+  var m = d.monthly || []; if (!m.length) return;
   try {
   chartAvgSize = new Chart(document.getElementById('chartAvgSize'), {
-    type: 'line',
-    data: {
-      labels: d.monthlyAvg.map(function(m){return m.mes;}),
-      datasets: [{ label: 'Ticket Medio USD', data: d.monthlyAvg.map(function(m){return m.avg_usd;}), borderColor: t.avgLine, backgroundColor: 'transparent', borderWidth: 2, pointRadius: 4, pointHoverRadius: 6, tension: 0.3 }]
-    },
-    options: {
-      responsive: true, maintainAspectRatio: false,
-      plugins: { legend: { display: false }, tooltip: { callbacks: { label: function(ctx) { return 'Ticket: ' + fmtUSD(ctx.raw); } } } },
-      scales: {
-        y: { grid: { color: t.grid }, ticks: { callback: function(v){return fmtUSD(v);}, font: { size: 10 } } },
-        x: { grid: { display: false }, ticks: { font: { size: 10 } } }
-      }
-    }
-  });
-  } catch(e) { console.warn('chartAvgSize:', e.message); }
+    type:'line', data:{ labels:m.map(function(x){return x.mes;}), datasets:[{label:'Ticket USD', data:m.map(function(x){return x.avg_usd;}), borderColor:t.avgLine, backgroundColor:'transparent', borderWidth:2, pointRadius:4, tension:0.3}] },
+    options:{ responsive:true, maintainAspectRatio:false, plugins:{legend:{display:false}, tooltip:{callbacks:{label:function(ctx){return 'Ticket: '+fmtUSD(ctx.raw);}}}}, scales:{y:{grid:{color:t.grid}, ticks:{callback:function(v){return fmtUSD(v);}, font:{size:10}}}, x:{grid:{display:false}, ticks:{font:{size:10}}}} }
+  }); } catch(e) {}
 }
 
-// Provider donut
+// Provider Donut
 function renderProviderChart(d, t) {
-  if (!d.providers || d.providers.length === 0) return;
+  if (!d.providers || !d.providers.length) return;
   try {
   chartProvider = new Chart(document.getElementById('chartProvider'), {
-    type: 'doughnut',
-    data: {
-      labels: d.providers.map(function(p){return p.name;}),
-      datasets: [{ data: d.providers.map(function(p){return p.vol_usd;}), backgroundColor: t.providerColors.slice(0, d.providers.length), borderWidth: 0, hoverOffset: 8 }]
-    },
-    options: { responsive: true, maintainAspectRatio: false, cutout: '55%',
-      plugins: { legend: { position: 'bottom', labels: { padding: 12, font: { size: 11, weight: 600 } } },
-        tooltip: { callbacks: { label: function(ctx) { return ctx.label + ': ' + fmtUSD(ctx.raw) + ' (' + ctx.dataset.data.reduce(function(a,b){return a+b;},0) > 0 ? (ctx.raw / ctx.dataset.data.reduce(function(a,b){return a+b;},0) * 100).toFixed(1) + '%' : '0%' + ')'; } } }
-      }
-    }
-  });
-  } catch(e) { console.warn('chartProvider:', e.message); }
+    type:'doughnut', data:{ labels:d.providers.map(function(p){return p.name;}), datasets:[{data:d.providers.map(function(p){return p.vol_usd;}), backgroundColor:t.providerColors.slice(0,d.providers.length), borderWidth:0, hoverOffset:8}] },
+    options:{ responsive:true, maintainAspectRatio:false, cutout:'55%', plugins:{legend:{position:'bottom', labels:{padding:12, font:{size:11,weight:600}}}, tooltip:{callbacks:{label:function(ctx){var total=ctx.dataset.data.reduce(function(a,b){return a+b;},0); return ctx.label+': '+fmtUSD(ctx.raw)+' ('+(total>0?(ctx.raw/total*100).toFixed(1)+'%':'0%')+')';}}}}}
+  }); } catch(e) {}
 }
 
 // === Transaction Table ===
-function renderTable(d) {
-  if (!d.transactions) return;
-  currentPage = 1;
-  _renderTablePage();
-}
-
+function renderTable(d) { if (!d.transactions) return; currentPage = 1; _renderTablePage(); }
 function _getSortedTx() {
   if (!clientData || !clientData.transactions) return [];
   var tx = clientData.transactions.slice();
-  tx.sort(function(a, b) {
-    var va = a[sortCol], vb = b[sortCol];
-    if (typeof va === 'string') return va.localeCompare(vb) * sortDir;
-    return ((va || 0) - (vb || 0)) * sortDir;
-  });
+  tx.sort(function(a, b) { var va=a[sortCol], vb=b[sortCol]; if(typeof va==='string') return va.localeCompare(vb)*sortDir; return ((va||0)-(vb||0))*sortDir; });
   return tx;
 }
-
 function _renderTablePage() {
   var tx = _getSortedTx();
   var totalPages = Math.max(1, Math.ceil(tx.length / pageSize));
   if (currentPage > totalPages) currentPage = totalPages;
   var start = (currentPage - 1) * pageSize;
   var page = tx.slice(start, start + pageSize);
-
   var tbody = document.getElementById('txTableBody');
-  if (page.length === 0) {
-    tbody.innerHTML = '<tr><td colspan="10" style="text-align:center;color:var(--text-muted);">Nenhuma transacao no periodo</td></tr>';
-  } else {
+  if (!page.length) { tbody.innerHTML = '<tr><td colspan="10" style="text-align:center;color:var(--text-muted)">Nenhuma transacao</td></tr>'; }
+  else {
     tbody.innerHTML = page.map(function(r) {
-      var flowCls = r.flow === 'BRL\\u2192USD' ? 'brl-usd' : 'usd-brl';
-      return '<tr>' +
-        '<td>' + r.date.slice(0,16) + '</td>' +
-        '<td><span class="flow-tag ' + flowCls + '">' + r.flow + '</span></td>' +
-        '<td>' + fmtUSD(r.usd) + '</td>' +
-        '<td>' + fmtBRL(r.brl) + '</td>' +
-        '<td>' + Number(r.rate).toFixed(4) + '</td>' +
-        '<td>' + Number(r.ptax).toFixed(4) + '</td>' +
-        '<td>' + fmtPct(r.spread_pct) + '</td>' +
-        '<td>' + (r.iof ? fmtPct(r.iof) : '--') + '</td>' +
-        '<td>' + (r.status || '--') + '</td>' +
-        '<td>' + (r.provider || '--') + '</td>' +
-      '</tr>';
+      var fc = r.flow === 'BRL\\u2192USD' ? 'brl-usd' : 'usd-brl';
+      return '<tr><td>'+r.date.slice(0,16)+'</td><td><span class="flow-tag '+fc+'">'+r.flow+'</span></td><td>'+fmtUSD(r.usd)+'</td><td>'+fmtBRL(r.brl)+'</td><td>'+Number(r.rate).toFixed(4)+'</td><td>'+Number(r.ptax).toFixed(4)+'</td><td>'+fmtPct(r.spread_pct)+'</td><td>'+(r.iof?fmtPct(r.iof):'--')+'</td><td>'+(r.status||'--')+'</td><td>'+(r.provider||'--')+'</td></tr>';
     }).join('');
   }
-
-  // Footer totals
   var foot = document.getElementById('txTableFoot');
   if (tx.length > 0) {
-    var sumUsd = tx.reduce(function(s,r){return s + r.usd;}, 0);
-    var sumBrl = tx.reduce(function(s,r){return s + r.brl;}, 0);
-    var avgSpread = tx.reduce(function(s,r){return s + r.spread_pct;}, 0) / tx.length;
-    foot.innerHTML = '<tr><td colspan="2" style="font-weight:700;">TOTAL (' + tx.length + ')</td><td>' + fmtUSD(sumUsd) + '</td><td>' + fmtBRL(sumBrl) + '</td><td colspan="2"></td><td>' + fmtPct(avgSpread) + '</td><td colspan="3"></td></tr>';
-  } else {
-    foot.innerHTML = '';
-  }
-
-  // Info
-  document.getElementById('tableInfo').textContent = tx.length + ' transacoes | Pag ' + currentPage + '/' + totalPages;
-
-  // Pagination
+    var su=tx.reduce(function(s,r){return s+r.usd;},0), sb=tx.reduce(function(s,r){return s+r.brl;},0), as=tx.reduce(function(s,r){return s+r.spread_pct;},0)/tx.length;
+    foot.innerHTML = '<tr><td colspan="2" style="font-weight:700">TOTAL ('+tx.length+')</td><td>'+fmtUSD(su)+'</td><td>'+fmtBRL(sb)+'</td><td colspan="2"></td><td>'+fmtPct(as)+'</td><td colspan="3"></td></tr>';
+  } else foot.innerHTML = '';
+  document.getElementById('tableInfo').textContent = tx.length + ' tx | Pag ' + currentPage + '/' + totalPages;
   var pagDiv = document.getElementById('pagination');
-  var html = '<button class="page-btn" onclick="goPage(1)" ' + (currentPage === 1 ? 'disabled' : '') + '>&laquo;</button>';
-  html += '<button class="page-btn" onclick="goPage(' + (currentPage-1) + ')" ' + (currentPage === 1 ? 'disabled' : '') + '>&lsaquo;</button>';
-  var startP = Math.max(1, currentPage - 2);
-  var endP = Math.min(totalPages, startP + 4);
-  for (var i = startP; i <= endP; i++) {
-    html += '<button class="page-btn' + (i === currentPage ? ' active' : '') + '" onclick="goPage(' + i + ')">' + i + '</button>';
-  }
-  html += '<button class="page-btn" onclick="goPage(' + (currentPage+1) + ')" ' + (currentPage === totalPages ? 'disabled' : '') + '>&rsaquo;</button>';
-  html += '<button class="page-btn" onclick="goPage(' + totalPages + ')" ' + (currentPage === totalPages ? 'disabled' : '') + '>&raquo;</button>';
-  pagDiv.innerHTML = html;
-
-  // Update sort arrows
+  var h = '<button class="page-btn" onclick="goPage(1)" '+(currentPage===1?'disabled':'')+'>&laquo;</button>';
+  h += '<button class="page-btn" onclick="goPage('+(currentPage-1)+')" '+(currentPage===1?'disabled':'')+'>&lsaquo;</button>';
+  var sp = Math.max(1, currentPage-2), ep = Math.min(totalPages, sp+4);
+  for (var i=sp;i<=ep;i++) h += '<button class="page-btn'+(i===currentPage?' active':'')+'" onclick="goPage('+i+')">'+i+'</button>';
+  h += '<button class="page-btn" onclick="goPage('+(currentPage+1)+')" '+(currentPage===totalPages?'disabled':'')+'>&rsaquo;</button>';
+  h += '<button class="page-btn" onclick="goPage('+totalPages+')" '+(currentPage===totalPages?'disabled':'')+'>&raquo;</button>';
+  pagDiv.innerHTML = h;
   document.querySelectorAll('#txTable thead th').forEach(function(th) {
     th.classList.toggle('sorted', th.dataset.col === sortCol);
-    var arrow = th.querySelector('.sort-arrow');
-    if (arrow) arrow.innerHTML = th.dataset.col === sortCol ? (sortDir === 1 ? '&#x25B2;' : '&#x25BC;') : '&#x25B2;';
+    var a = th.querySelector('.sort-arrow'); if (a) a.innerHTML = th.dataset.col===sortCol?(sortDir===1?'&#x25B2;':'&#x25BC;'):'&#x25B2;';
   });
 }
-
 function goPage(p) { currentPage = p; _renderTablePage(); }
-
-// Sort on header click
 document.querySelectorAll('#txTable thead th').forEach(function(th) {
-  th.addEventListener('click', function() {
-    var col = this.dataset.col;
-    if (!col) return;
-    if (sortCol === col) { sortDir *= -1; } else { sortCol = col; sortDir = -1; }
-    currentPage = 1;
-    _renderTablePage();
-  });
-});
-
-// Page size
-document.getElementById('pageSizeSelect').addEventListener('change', function() {
-  pageSize = parseInt(this.value);
-  currentPage = 1;
-  _renderTablePage();
+  th.addEventListener('click', function() { var col=this.dataset.col; if(!col)return; if(sortCol===col){sortDir*=-1;}else{sortCol=col;sortDir=-1;} currentPage=1; _renderTablePage(); });
 });
+document.getElementById('pageSizeSelect').addEventListener('change', function() { pageSize=parseInt(this.value); currentPage=1; _renderTablePage(); });
 
 // CSV Export
 function exportCSV() {
-  if (!clientData || !clientData.transactions || clientData.transactions.length === 0) return;
-  var headers = ['Data','Fluxo','USD','BRL','Taxa','PTAX','Spread%','IOF','Status','Provider'];
-  var rows = clientData.transactions.map(function(r) {
-    return [r.date, r.flow, r.usd, r.brl, r.rate, r.ptax, r.spread_pct, r.iof, r.status, r.provider].join(',');
-  });
-  var csv = headers.join(',') + '\\n' + rows.join('\\n');
-  var blob = new Blob([csv], {type: 'text/csv'});
-  var a = document.createElement('a');
-  a.href = URL.createObjectURL(blob);
-  a.download = 'cliente_' + selectedClientId + '_' + currentStart + '_' + currentEnd + '.csv';
-  a.click();
+  if (!clientData || !clientData.transactions || !clientData.transactions.length) return;
+  var hdr = ['Data','Fluxo','USD','BRL','Taxa','PTAX','Spread%','IOF','Status','Provider'];
+  var rows = clientData.transactions.map(function(r){return [r.date,r.flow,r.usd,r.brl,r.rate,r.ptax,r.spread_pct,r.iof,r.status,r.provider].join(',');});
+  var csv = hdr.join(',')+'\\n'+rows.join('\\n');
+  var a = document.createElement('a'); a.href = URL.createObjectURL(new Blob([csv],{type:'text/csv'}));
+  a.download = 'cliente_'+selectedClientId+'_'+currentStart+'_'+currentEnd+'.csv'; a.click();
 }
 
-// === Filter Bar ===
+// === Filters ===
 document.querySelectorAll('.preset-btn').forEach(function(btn) {
   btn.addEventListener('click', function() {
-    document.querySelectorAll('.preset-btn').forEach(function(b){b.classList.remove('active');});
-    this.classList.add('active');
-    var now = new Date();
-    var today = now.toISOString().slice(0,10);
-    var preset = this.dataset.preset;
-    if (preset === '7d') { currentStart = new Date(now.getTime() - 7*86400000).toISOString().slice(0,10); currentEnd = today; }
-    else if (preset === '30d') { currentStart = new Date(now.getTime() - 30*86400000).toISOString().slice(0,10); currentEnd = today; }
-    else if (preset === '90d') { currentStart = new Date(now.getTime() - 90*86400000).toISOString().slice(0,10); currentEnd = today; }
-    else if (preset === 'ytd') { currentStart = now.getFullYear() + '-01-01'; currentEnd = today; }
-    else if (preset === 'all' && profileData && profileData.first_op) { currentStart = profileData.first_op; currentEnd = today; }
-    else if (preset === 'all') { currentStart = '2020-01-01'; currentEnd = today; }
-    document.getElementById('dateStart').value = currentStart;
-    document.getElementById('dateEnd').value = currentEnd;
+    document.querySelectorAll('.preset-btn').forEach(function(b){b.classList.remove('active');}); this.classList.add('active');
+    var now = new Date(), td = now.toISOString().slice(0,10), p = this.dataset.preset;
+    if (p==='7d') currentStart = new Date(now.getTime()-7*86400000).toISOString().slice(0,10);
+    else if (p==='30d') currentStart = new Date(now.getTime()-30*86400000).toISOString().slice(0,10);
+    else if (p==='90d') currentStart = new Date(now.getTime()-90*86400000).toISOString().slice(0,10);
+    else if (p==='ytd') currentStart = now.getFullYear()+'-01-01';
+    else if (p==='all' && profileData && profileData.first_op) currentStart = profileData.first_op;
+    else if (p==='all') currentStart = '2020-01-01';
+    currentEnd = td;
+    document.getElementById('dateStart').value = currentStart; document.getElementById('dateEnd').value = currentEnd;
     loadData();
   });
 });
-
-document.getElementById('dateStart').addEventListener('change', function() {
-  currentStart = this.value;
-  document.querySelectorAll('.preset-btn').forEach(function(b){b.classList.remove('active');});
-  loadData();
-});
-document.getElementById('dateEnd').addEventListener('change', function() {
-  currentEnd = this.value;
-  document.querySelectorAll('.preset-btn').forEach(function(b){b.classList.remove('active');});
-  loadData();
-});
+document.getElementById('dateStart').addEventListener('change', function(){currentStart=this.value; document.querySelectorAll('.preset-btn').forEach(function(b){b.classList.remove('active');}); loadData();});
+document.getElementById('dateEnd').addEventListener('change', function(){currentEnd=this.value; document.querySelectorAll('.preset-btn').forEach(function(b){b.classList.remove('active');}); loadData();});
 
 // Timeline granularity
 document.querySelectorAll('[data-tl-gran]').forEach(function(btn) {
   btn.addEventListener('click', function() {
-    document.querySelectorAll('[data-tl-gran]').forEach(function(b){b.classList.remove('active');});
-    this.classList.add('active');
+    document.querySelectorAll('[data-tl-gran]').forEach(function(b){b.classList.remove('active');}); this.classList.add('active');
     timelineGran = this.dataset.tlGran;
-    if (clientData) {
-      if (chartTimeline) chartTimeline.destroy();
-      renderTimeline(clientData, getChartTheme());
-    }
+    if (clientData) { if (chartTimeline) chartTimeline.destroy(); renderTimeline(clientData, getChartTheme()); }
   });
 });
 
-// === Console Nav ===
-var _navSections = ['searchWrap','heroGrid','sectionTimeline','sectionFlows','sectionTable','sectionInsights'];
+// Console Nav
+var _navSections = ['searchWrap','heroGrid','sectionHealth','sectionRevenue','sectionTimeline','sectionFlows','sectionTable','sectionInsights'];
 function updateConsoleNav() {
-  var scrollY = window.scrollY + 120;
-  var active = _navSections[0];
-  _navSections.forEach(function(id) {
-    var el = document.getElementById(id);
-    if (el && el.offsetTop <= scrollY) active = id;
-  });
-  document.querySelectorAll('.console-nav-btn').forEach(function(btn) {
-    btn.classList.toggle('active', btn.dataset.section === active);
-  });
+  var sy = window.scrollY + 120, active = _navSections[0];
+  _navSections.forEach(function(id){var el=document.getElementById(id); if(el&&el.offsetTop<=sy) active=id;});
+  document.querySelectorAll('.console-nav-btn').forEach(function(btn){btn.classList.toggle('active', btn.dataset.section===active);});
 }
 window.addEventListener('scroll', updateConsoleNav);
 
-// === Theme Change ===
-window.addEventListener('themechange', function() {
-  if (clientData) {
-    applyChartDefaults(getChartTheme());
-    renderCharts(clientData);
-  }
-});
-
-// === Init ===
-document.addEventListener('DOMContentLoaded', function() {
-  applyChartDefaults(getChartTheme());
-  loadClients();
-});
-<\/script>
+// Theme change
+window.addEventListener('themechange', function() { if (clientData) renderAll(clientData); });
 
+// Init
+document.addEventListener('DOMContentLoaded', function() { applyChartDefaults(getChartTheme()); loadClients(); });
+<\\/script>
 </body>
 </html>`;
 }
diff --git a/src/queries.js b/src/queries.js
index 3fabbef..f58b095 100644
--- a/src/queries.js
+++ b/src/queries.js
@@ -524,7 +524,7 @@ async function fetchBIData(dataInicio, dataFim, getAgenteName = null) {
         COUNT(*) as qtd,
         ROUND(COALESCE(SUM(amount_usd), 0), 2) as vol_usd,
         ROUND(COALESCE(SUM(amount_brl), 0), 2) as vol_brl,
-        ROUND(COALESCE(SUM((exchange_rate - ptax) * amount_usd), 0), 2) as spread_revenue,
+        ROUND(COALESCE(SUM((exchange_rate - ptax) / exchange_rate * amount_usd), 0), 2) as spread_revenue,
         ROUND(COALESCE(AVG((exchange_rate - ptax) / exchange_rate * 100), 0), 2) as avg_spread_pct,
         COUNT(DISTINCT id_conta) as clientes
       FROM br_transaction_to_usa
@@ -537,7 +537,7 @@ async function fetchBIData(dataInicio, dataFim, getAgenteName = null) {
         COUNT(*) as qtd,
         ROUND(COALESCE(SUM(valor), 0), 2) as vol_usd,
         ROUND(COALESCE(SUM(valor_sol), 0), 2) as vol_brl,
-        ROUND(COALESCE(SUM((ptax - cotacao) * valor), 0), 2) as spread_revenue,
+        ROUND(COALESCE(SUM((ptax - cotacao) / ptax * valor), 0), 2) as spread_revenue,
         ROUND(COALESCE(AVG(CASE WHEN cotacao > 0 THEN (ptax - cotacao) / ptax * 100 ELSE 0 END), 0), 2) as avg_spread_pct,
         COUNT(DISTINCT id_conta) as clientes
       FROM pagamento_br
@@ -571,12 +571,12 @@ async function fetchBIData(dataInicio, dataFim, getAgenteName = null) {
     // 5. Previous period totals for comparison
     const [prevBrlUsd] = await conn.execute(`
       SELECT COUNT(*) as qtd, ROUND(COALESCE(SUM(amount_usd),0),2) as vol_usd,
-        ROUND(COALESCE(SUM((exchange_rate - ptax) * amount_usd),0),2) as spread_revenue
+        ROUND(COALESCE(SUM((exchange_rate - ptax) / exchange_rate * amount_usd),0),2) as spread_revenue
       FROM br_transaction_to_usa WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
     `, [prevStartStr, prevEndStr]);
     const [prevUsdBrl] = await conn.execute(`
       SELECT COUNT(*) as qtd, ROUND(COALESCE(SUM(valor),0),2) as vol_usd,
-        ROUND(COALESCE(SUM((ptax - cotacao) * valor),0),2) as spread_revenue
+        ROUND(COALESCE(SUM((ptax - cotacao) / ptax * valor),0),2) as spread_revenue
       FROM pagamento_br WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
         AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
     `, [prevStartStr, prevEndStr]);
@@ -679,14 +679,14 @@ async function fetchBIData(dataInicio, dataFim, getAgenteName = null) {
         ROUND(SUM(spread_rev), 2) as total_spread, COUNT(DISTINCT client_id) as clientes
       FROM (
         SELECT ac.agente_id, t.id_conta as client_id, SUM(t.amount_usd) as vol, COUNT(*) as qtd,
-          SUM((t.exchange_rate - t.ptax) * t.amount_usd) as spread_rev
+          SUM((t.exchange_rate - t.ptax) / t.exchange_rate * t.amount_usd) as spread_rev
         FROM br_transaction_to_usa t
         INNER JOIN ag_contas ac ON ac.conta_id = t.id_conta
         WHERE DATE(t.created_at) >= ? AND DATE(t.created_at) <= ?
         GROUP BY ac.agente_id, t.id_conta
         UNION ALL
         SELECT ac.agente_id, p.id_conta as client_id, SUM(p.valor) as vol, COUNT(*) as qtd,
-          SUM((p.ptax - p.cotacao) * p.valor) as spread_rev
+          SUM((p.ptax - p.cotacao) / p.ptax * p.valor) as spread_rev
         FROM pagamento_br p
         INNER JOIN ag_contas ac ON ac.conta_id = p.id_conta
         WHERE DATE(p.created_at) >= ? AND DATE(p.created_at) <= ?
@@ -984,7 +984,7 @@ async function fetchClientProfile(clienteId) {
     const [brl] = await conn.execute(`
       SELECT COUNT(*) as qtd, ROUND(COALESCE(SUM(amount_usd),0),2) as vol_usd,
         ROUND(COALESCE(SUM(amount_brl),0),2) as vol_brl,
-        ROUND(COALESCE(SUM((exchange_rate - ptax) * amount_usd),0),2) as spread_revenue,
+        ROUND(COALESCE(SUM((exchange_rate - ptax) / exchange_rate * amount_usd),0),2) as spread_revenue,
         MIN(created_at) as first_op, MAX(created_at) as last_op
       FROM br_transaction_to_usa WHERE id_conta = ?
     `, [clienteId]);
@@ -993,7 +993,7 @@ async function fetchClientProfile(clienteId) {
     const [usd] = await conn.execute(`
       SELECT COUNT(*) as qtd, ROUND(COALESCE(SUM(valor),0),2) as vol_usd,
         ROUND(COALESCE(SUM(valor_sol),0),2) as vol_brl,
-        ROUND(COALESCE(SUM((ptax - cotacao) * valor),0),2) as spread_revenue,
+        ROUND(COALESCE(SUM((ptax - cotacao) / ptax * valor),0),2) as spread_revenue,
         MIN(created_at) as first_op, MAX(created_at) as last_op
       FROM pagamento_br WHERE id_conta = ?
         AND cotacao IS NOT NULL AND cotacao > 0
@@ -1011,6 +1011,20 @@ async function fetchClientProfile(clienteId) {
 
     const brlQtd = Number(brlData.qtd) || 0;
     const usdQtd = Number(usdData.qtd) || 0;
+    const totalOps = brlQtd + usdQtd;
+    const totalVolUsd = (Number(brlData.vol_usd) || 0) + (Number(usdData.vol_usd) || 0);
+    const totalSpreadRev = (Number(brlData.spread_revenue) || 0) + (Number(usdData.spread_revenue) || 0);
+
+    // Months active (distinct months with transactions)
+    const [monthsRows] = await conn.execute(`
+      SELECT COUNT(DISTINCT mes) as months_active FROM (
+        SELECT DATE_FORMAT(created_at, '%Y-%m') as mes FROM br_transaction_to_usa WHERE id_conta = ?
+        UNION
+        SELECT DATE_FORMAT(created_at, '%Y-%m') as mes FROM pagamento_br WHERE id_conta = ?
+          AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+      ) m
+    `, [clienteId, clienteId]);
+    const monthsActive = Number(monthsRows[0]?.months_active) || 0;
 
     return {
       id: clienteId,
@@ -1018,10 +1032,15 @@ async function fetchClientProfile(clienteId) {
       first_op: firstOp ? firstOp.toISOString().slice(0, 10) : null,
       last_op: lastOp ? lastOp.toISOString().slice(0, 10) : null,
       days_inactive: daysInactive,
-      total_ops: brlQtd + usdQtd,
-      total_vol_usd: (Number(brlData.vol_usd) || 0) + (Number(usdData.vol_usd) || 0),
+      total_ops: totalOps,
+      total_vol_usd: totalVolUsd,
       total_vol_brl: (Number(brlData.vol_brl) || 0) + (Number(usdData.vol_brl) || 0),
-      total_spread_revenue: (Number(brlData.spread_revenue) || 0) + (Number(usdData.spread_revenue) || 0),
+      total_spread_revenue: totalSpreadRev,
+      months_active: monthsActive,
+      avg_monthly_vol: monthsActive > 0 ? Math.round(totalVolUsd / monthsActive) : 0,
+      avg_monthly_ops: monthsActive > 0 ? Math.round(totalOps / monthsActive * 10) / 10 : 0,
+      avg_monthly_revenue: monthsActive > 0 ? Math.round(totalSpreadRev / monthsActive * 100) / 100 : 0,
+      ltv: totalSpreadRev,
       brlUsd: { qtd: brlQtd, vol_usd: Number(brlData.vol_usd) || 0 },
       usdBrl: { qtd: usdQtd, vol_usd: Number(usdData.vol_usd) || 0 }
     };
@@ -1047,7 +1066,7 @@ async function fetchClientData(clienteId, dataInicio, dataFim) {
     const [kpiBrl] = await conn.execute(`
       SELECT COUNT(*) as qtd, ROUND(COALESCE(SUM(amount_usd),0),2) as vol_usd,
         ROUND(COALESCE(SUM(amount_brl),0),2) as vol_brl,
-        ROUND(COALESCE(SUM((exchange_rate - ptax) * amount_usd),0),2) as spread_revenue,
+        ROUND(COALESCE(SUM((exchange_rate - ptax) / exchange_rate * amount_usd),0),2) as spread_revenue,
         ROUND(COALESCE(AVG((exchange_rate - ptax) / exchange_rate * 100),0),2) as avg_spread_pct
       FROM br_transaction_to_usa WHERE id_conta = ? AND DATE(created_at) >= ? AND DATE(created_at) <= ?
     `, [clienteId, dataInicio, dataFim]);
@@ -1056,7 +1075,7 @@ async function fetchClientData(clienteId, dataInicio, dataFim) {
     const [kpiUsd] = await conn.execute(`
       SELECT COUNT(*) as qtd, ROUND(COALESCE(SUM(valor),0),2) as vol_usd,
         ROUND(COALESCE(SUM(valor_sol),0),2) as vol_brl,
-        ROUND(COALESCE(SUM((ptax - cotacao) * valor),0),2) as spread_revenue,
+        ROUND(COALESCE(SUM((ptax - cotacao) / ptax * valor),0),2) as spread_revenue,
         ROUND(COALESCE(AVG(CASE WHEN cotacao > 0 THEN (ptax - cotacao) / ptax * 100 ELSE 0 END),0),2) as avg_spread_pct
       FROM pagamento_br WHERE id_conta = ? AND DATE(created_at) >= ? AND DATE(created_at) <= ?
         AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
@@ -1065,12 +1084,12 @@ async function fetchClientData(clienteId, dataInicio, dataFim) {
     // Previous period
     const [prevBrl] = await conn.execute(`
       SELECT COUNT(*) as qtd, ROUND(COALESCE(SUM(amount_usd),0),2) as vol_usd,
-        ROUND(COALESCE(SUM((exchange_rate - ptax) * amount_usd),0),2) as spread_revenue
+        ROUND(COALESCE(SUM((exchange_rate - ptax) / exchange_rate * amount_usd),0),2) as spread_revenue
       FROM br_transaction_to_usa WHERE id_conta = ? AND DATE(created_at) >= ? AND DATE(created_at) <= ?
     `, [clienteId, prevStartStr, prevEndStr]);
     const [prevUsd] = await conn.execute(`
       SELECT COUNT(*) as qtd, ROUND(COALESCE(SUM(valor),0),2) as vol_usd,
-        ROUND(COALESCE(SUM((ptax - cotacao) * valor),0),2) as spread_revenue
+        ROUND(COALESCE(SUM((ptax - cotacao) / ptax * valor),0),2) as spread_revenue
       FROM pagamento_br WHERE id_conta = ? AND DATE(created_at) >= ? AND DATE(created_at) <= ?
         AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
     `, [clienteId, prevStartStr, prevEndStr]);
@@ -1151,14 +1170,18 @@ async function fetchClientData(clienteId, dataInicio, dataFim) {
       GROUP BY p.tipo_envio
     `, [clienteId, dataInicio, dataFim]);
 
-    // Monthly average
+    // Monthly breakdown (volume + revenue + qty)
     const [monthlyBrl] = await conn.execute(`
-      SELECT DATE_FORMAT(created_at, '%Y-%m') as mes, ROUND(AVG(amount_usd),2) as avg_usd, COUNT(*) as qtd
+      SELECT DATE_FORMAT(created_at, '%Y-%m') as mes, COUNT(*) as qtd,
+        ROUND(SUM(amount_usd),2) as vol_usd,
+        ROUND(SUM((exchange_rate - ptax) / exchange_rate * amount_usd),2) as spread_revenue
       FROM br_transaction_to_usa WHERE id_conta = ? AND DATE(created_at) >= ? AND DATE(created_at) <= ?
       GROUP BY DATE_FORMAT(created_at, '%Y-%m') ORDER BY mes
     `, [clienteId, dataInicio, dataFim]);
     const [monthlyUsd] = await conn.execute(`
-      SELECT DATE_FORMAT(created_at, '%Y-%m') as mes, ROUND(AVG(valor),2) as avg_usd, COUNT(*) as qtd
+      SELECT DATE_FORMAT(created_at, '%Y-%m') as mes, COUNT(*) as qtd,
+        ROUND(SUM(valor),2) as vol_usd,
+        ROUND(SUM((ptax - cotacao) / ptax * valor),2) as spread_revenue
       FROM pagamento_br WHERE id_conta = ? AND DATE(created_at) >= ? AND DATE(created_at) <= ?
         AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
       GROUP BY DATE_FORMAT(created_at, '%Y-%m') ORDER BY mes
@@ -1193,12 +1216,13 @@ async function fetchClientData(clienteId, dataInicio, dataFim) {
       provMap[n].vol_usd += Number(r.vol_usd);
     });
 
-    // Merge monthly avg
+    // Merge monthly data
     const monthMap = {};
     [...monthlyBrl, ...monthlyUsd].forEach(r => {
-      if (!monthMap[r.mes]) monthMap[r.mes] = { mes: r.mes, total_usd: 0, total_qtd: 0 };
-      monthMap[r.mes].total_usd += Number(r.avg_usd) * Number(r.qtd);
-      monthMap[r.mes].total_qtd += Number(r.qtd);
+      if (!monthMap[r.mes]) monthMap[r.mes] = { mes: r.mes, qtd: 0, vol_usd: 0, spread_revenue: 0 };
+      monthMap[r.mes].qtd += Number(r.qtd);
+      monthMap[r.mes].vol_usd += Number(r.vol_usd);
+      monthMap[r.mes].spread_revenue += Number(r.spread_revenue);
     });
 
     const transactions = [
@@ -1234,13 +1258,234 @@ async function fetchClientData(clienteId, dataInicio, dataFim) {
       transactions,
       dayOfWeek: dowMap,
       providers: Object.values(provMap).sort((a, b) => b.vol_usd - a.vol_usd),
-      monthlyAvg: Object.values(monthMap).map(m => ({ mes: m.mes, avg_usd: m.total_qtd > 0 ? Math.round(m.total_usd / m.total_qtd) : 0, qtd: m.total_qtd })).sort((a, b) => a.mes.localeCompare(b.mes))
+      monthly: Object.values(monthMap).map(m => ({ mes: m.mes, qtd: m.qtd, vol_usd: Math.round(m.vol_usd * 100) / 100, spread_revenue: Math.round(m.spread_revenue * 100) / 100, avg_usd: m.qtd > 0 ? Math.round(m.vol_usd / m.qtd) : 0 })).sort((a, b) => a.mes.localeCompare(b.mes))
     };
   } finally {
     conn.release();
   }
 }
 
+async function fetchBIStrategic(dataInicio, dataFim) {
+  const conn = await pool.getConnection();
+  try {
+    const start = new Date(dataInicio);
+    const end = new Date(dataFim);
+    const periodDays = Math.round((end - start) / (1000 * 60 * 60 * 24)) + 1;
+    const prevEnd = new Date(start);
+    prevEnd.setDate(prevEnd.getDate() - 1);
+    const prevStart = new Date(prevEnd);
+    prevStart.setDate(prevStart.getDate() - periodDays + 1);
+    const prevStartStr = prevStart.toISOString().slice(0, 10);
+    const prevEndStr = prevEnd.toISOString().slice(0, 10);
+
+    // === 1. COHORT RETENTION ===
+    const [cohortClients] = await conn.execute(`
+      SELECT id_conta, DATE_FORMAT(MIN(first_op), '%Y-%m') as cohort_month FROM (
+        SELECT id_conta, MIN(created_at) as first_op FROM br_transaction_to_usa GROUP BY id_conta
+        UNION ALL
+        SELECT id_conta, MIN(created_at) as first_op FROM pagamento_br
+          WHERE cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+        GROUP BY id_conta
+      ) f GROUP BY id_conta
+    `);
+    const [activeMonths] = await conn.execute(`
+      SELECT id_conta, active_month FROM (
+        SELECT id_conta, DATE_FORMAT(created_at, '%Y-%m') as active_month
+        FROM br_transaction_to_usa GROUP BY id_conta, DATE_FORMAT(created_at, '%Y-%m')
+        UNION
+        SELECT id_conta, DATE_FORMAT(created_at, '%Y-%m') as active_month
+        FROM pagamento_br WHERE cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+        GROUP BY id_conta, DATE_FORMAT(created_at, '%Y-%m')
+      ) m
+    `);
+
+    const clientCohort = {};
+    cohortClients.forEach(r => { clientCohort[r.id_conta] = r.cohort_month; });
+    const clientMonths = {};
+    activeMonths.forEach(r => {
+      if (!clientMonths[r.id_conta]) clientMonths[r.id_conta] = new Set();
+      clientMonths[r.id_conta].add(r.active_month);
+    });
+    const allMonths = [...new Set([...cohortClients.map(r => r.cohort_month), ...activeMonths.map(r => r.active_month)])].sort();
+
+    const cohortMap = {};
+    cohortClients.forEach(r => {
+      const cm = r.cohort_month;
+      if (!cohortMap[cm]) cohortMap[cm] = { size: 0, months: {} };
+      cohortMap[cm].size++;
+    });
+    Object.keys(clientCohort).forEach(clientId => {
+      const cm = clientCohort[clientId];
+      const months = clientMonths[clientId] || new Set();
+      const cmIdx = allMonths.indexOf(cm);
+      months.forEach(am => {
+        const amIdx = allMonths.indexOf(am);
+        const offset = amIdx - cmIdx;
+        if (offset >= 0) {
+          if (!cohortMap[cm].months[offset]) cohortMap[cm].months[offset] = 0;
+          cohortMap[cm].months[offset]++;
+        }
+      });
+    });
+
+    const cohortKeys = Object.keys(cohortMap).sort().slice(-12);
+    const cohorts = cohortKeys.map(cm => {
+      const c = cohortMap[cm];
+      const maxOff = allMonths.length - allMonths.indexOf(cm);
+      const retention = [];
+      for (let i = 0; i < Math.min(maxOff, 13); i++) {
+        retention.push(c.size > 0 ? Math.round((c.months[i] || 0) / c.size * 100) : 0);
+      }
+      return { month: cm, size: c.size, retention };
+    });
+
+    // === 2. REVENUE EXPANSION / CONTRACTION ===
+    const [currRevenue] = await conn.execute(`
+      SELECT id_conta, ROUND(SUM(revenue), 2) as revenue, ROUND(SUM(vol_usd), 2) as vol_usd FROM (
+        SELECT id_conta, SUM((exchange_rate - ptax) / exchange_rate * amount_usd) as revenue, SUM(amount_usd) as vol_usd
+        FROM br_transaction_to_usa WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+        GROUP BY id_conta
+        UNION ALL
+        SELECT id_conta, SUM((ptax - cotacao) / ptax * valor) as revenue, SUM(valor) as vol_usd
+        FROM pagamento_br WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+          AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+        GROUP BY id_conta
+      ) c GROUP BY id_conta
+    `, [dataInicio, dataFim, dataInicio, dataFim]);
+    const [prevRevenue] = await conn.execute(`
+      SELECT id_conta, ROUND(SUM(revenue), 2) as revenue, ROUND(SUM(vol_usd), 2) as vol_usd FROM (
+        SELECT id_conta, SUM((exchange_rate - ptax) / exchange_rate * amount_usd) as revenue, SUM(amount_usd) as vol_usd
+        FROM br_transaction_to_usa WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+        GROUP BY id_conta
+        UNION ALL
+        SELECT id_conta, SUM((ptax - cotacao) / ptax * valor) as revenue, SUM(valor) as vol_usd
+        FROM pagamento_br WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+          AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+        GROUP BY id_conta
+      ) p GROUP BY id_conta
+    `, [prevStartStr, prevEndStr, prevStartStr, prevEndStr]);
+
+    const currMap = {};
+    currRevenue.forEach(r => { currMap[r.id_conta] = { revenue: Number(r.revenue), vol_usd: Number(r.vol_usd) }; });
+    const prevMap = {};
+    prevRevenue.forEach(r => { prevMap[r.id_conta] = { revenue: Number(r.revenue), vol_usd: Number(r.vol_usd) }; });
+
+    const allClientIds = new Set([...Object.keys(currMap), ...Object.keys(prevMap)]);
+    const expansion = {
+      new_clients: { count: 0, revenue: 0 },
+      expansion: { count: 0, revenue: 0 },
+      stable: { count: 0, revenue: 0 },
+      contraction: { count: 0, revenue: 0 },
+      churned: { count: 0, revenue: 0 }
+    };
+    allClientIds.forEach(id => {
+      const curr = currMap[id];
+      const prev = prevMap[id];
+      if (curr && !prev) {
+        expansion.new_clients.count++; expansion.new_clients.revenue += curr.revenue;
+      } else if (!curr && prev) {
+        expansion.churned.count++; expansion.churned.revenue -= Math.abs(prev.revenue);
+      } else if (curr && prev) {
+        const absP = Math.abs(prev.revenue);
+        const change = absP > 0 ? (curr.revenue - prev.revenue) / absP : 0;
+        if (change > 0.1) {
+          expansion.expansion.count++; expansion.expansion.revenue += (curr.revenue - prev.revenue);
+        } else if (change < -0.1) {
+          expansion.contraction.count++; expansion.contraction.revenue += (curr.revenue - prev.revenue);
+        } else {
+          expansion.stable.count++; expansion.stable.revenue += curr.revenue;
+        }
+      }
+    });
+
+    // === 3. CROSS-SELL ===
+    const [crossSellData] = await conn.execute(`
+      SELECT c.id_conta, t.vol_usd as pay_vol, p.vol_usd as checkout_vol
+      FROM (
+        SELECT DISTINCT id_conta FROM br_transaction_to_usa WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+        UNION
+        SELECT DISTINCT id_conta FROM pagamento_br WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+          AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+      ) c
+      LEFT JOIN (
+        SELECT id_conta, ROUND(SUM(amount_usd), 2) as vol_usd
+        FROM br_transaction_to_usa WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+        GROUP BY id_conta
+      ) t ON t.id_conta = c.id_conta
+      LEFT JOIN (
+        SELECT id_conta, ROUND(SUM(valor), 2) as vol_usd
+        FROM pagamento_br WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+          AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+        GROUP BY id_conta
+      ) p ON p.id_conta = c.id_conta
+    `, [dataInicio, dataFim, dataInicio, dataFim, dataInicio, dataFim, dataInicio, dataFim]);
+
+    const crossSell = { pay_only: { count: 0, vol: 0 }, checkout_only: { count: 0, vol: 0 }, both: { count: 0, vol: 0 } };
+    crossSellData.forEach(r => {
+      const pv = Number(r.pay_vol) || 0;
+      const cv = Number(r.checkout_vol) || 0;
+      if (pv > 0 && cv > 0) { crossSell.both.count++; crossSell.both.vol += pv + cv; }
+      else if (pv > 0) { crossSell.pay_only.count++; crossSell.pay_only.vol += pv; }
+      else if (cv > 0) { crossSell.checkout_only.count++; crossSell.checkout_only.vol += cv; }
+    });
+
+    // === 4. CLIENT MATURITY SEGMENTS ===
+    const [maturityData] = await conn.execute(`
+      SELECT id_conta,
+        MIN(first_op) as first_op,
+        FLOOR(DATEDIFF(CURDATE(), MIN(first_op)) / 30.44) as months_active,
+        SUM(vol_usd) as lifetime_vol,
+        SUM(CASE WHEN period = 'curr' THEN vol_usd ELSE 0 END) as curr_vol,
+        SUM(CASE WHEN period = 'prev' THEN vol_usd ELSE 0 END) as prev_vol
+      FROM (
+        SELECT id_conta, MIN(created_at) as first_op, SUM(amount_usd) as vol_usd, 'all' as period
+        FROM br_transaction_to_usa GROUP BY id_conta
+        UNION ALL
+        SELECT id_conta, MIN(created_at) as first_op, SUM(valor) as vol_usd, 'all' as period
+        FROM pagamento_br WHERE cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+        GROUP BY id_conta
+        UNION ALL
+        SELECT id_conta, NULL, SUM(amount_usd) as vol_usd, 'curr' as period
+        FROM br_transaction_to_usa WHERE DATE(created_at) >= ? AND DATE(created_at) <= ? GROUP BY id_conta
+        UNION ALL
+        SELECT id_conta, NULL, SUM(valor) as vol_usd, 'curr' as period
+        FROM pagamento_br WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+          AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+        GROUP BY id_conta
+        UNION ALL
+        SELECT id_conta, NULL, SUM(amount_usd) as vol_usd, 'prev' as period
+        FROM br_transaction_to_usa WHERE DATE(created_at) >= ? AND DATE(created_at) <= ? GROUP BY id_conta
+        UNION ALL
+        SELECT id_conta, NULL, SUM(valor) as vol_usd, 'prev' as period
+        FROM pagamento_br WHERE DATE(created_at) >= ? AND DATE(created_at) <= ?
+          AND cotacao IS NOT NULL AND cotacao > 0 AND (pgto IS NULL OR pgto != 'balance')
+        GROUP BY id_conta
+      ) combined GROUP BY id_conta
+    `, [dataInicio, dataFim, dataInicio, dataFim, prevStartStr, prevEndStr, prevStartStr, prevEndStr]);
+
+    const maturity = { new_client: { count: 0, vol: 0 }, growing: { count: 0, vol: 0 }, mature: { count: 0, vol: 0 }, declining: { count: 0, vol: 0 } };
+    maturityData.forEach(r => {
+      const months = Number(r.months_active) || 0;
+      const cv = Number(r.curr_vol) || 0;
+      const pv = Number(r.prev_vol) || 0;
+      const lv = Number(r.lifetime_vol) || 0;
+      if (months < 3) {
+        maturity.new_client.count++; maturity.new_client.vol += lv;
+      } else if (pv > 0 && cv < pv * 0.85) {
+        maturity.declining.count++; maturity.declining.vol += lv;
+      } else if (months >= 12) {
+        maturity.mature.count++; maturity.mature.vol += lv;
+      } else {
+        maturity.growing.count++; maturity.growing.vol += lv;
+      }
+    });
+
+    return { cohorts, expansion, crossSell, maturity };
+  } finally {
+    conn.release();
+  }
+}
+
 module.exports = {
   fetchTransacoes,
   fetchAllTransacoes,
@@ -1253,6 +1498,7 @@ module.exports = {
   fetchKPIsByPeriod,
   fetchBIData,
   fetchRevenueAnalytics,
+  fetchBIStrategic,
   fetchClientList,
   fetchClientProfile,
   fetchClientData