diff --git a/macos-bar/Sources/CCSBarApp/BarAnalyticsView.swift b/macos-bar/Sources/CCSBarApp/BarAnalyticsView.swift
index 028f5060..6abc79fc 100644
--- a/macos-bar/Sources/CCSBarApp/BarAnalyticsView.swift
+++ b/macos-bar/Sources/CCSBarApp/BarAnalyticsView.swift
@@ -1,14 +1,23 @@
 import SwiftUI
 import CCSBarCore
 
-/// Usage analytics block: spend rollups, a 30-day cost sparkline, surface
-/// breakdown, and top models.
+/// Demoted spend strip + surface/model breakdown.
 ///
-/// Pivots on `hasRecentData`: when the trailing 30 days carry no spend, the three
-/// dead Today/7d/30d cells read as "broken", so they collapse into one honest
-/// "No usage in N days" line with all-time + last-active promoted to the hero.
+/// Spend is informational pool context, NEVER the headline — so the loud 2×2
+/// StatCell grid + 28pt sparkline that used to dominate the dropdown collapses
+/// into one muted caption line ("today $NN · 7d $N.Nk") with an optional thin
+/// inline sparkline. The By-surface / Top-models breakdowns stay, tightened and
+/// subordinate, below the pool accounts.
+///
+/// When the trailing 30 days carry no spend the strip reads the honest idle line
+/// ("No usage in N days") instead of three dead "$0.00" cells.
 struct BarAnalyticsView: View {
   let analytics: BarAnalytics
+  /// Which slot of the dropdown this instance renders. `.spend` is the thin strip
+  /// placed below the subscriptions cockpit; `.breakdown` is the by-surface /
+  /// top-models detail placed below the pool accounts.
+  enum Section { case spend, breakdown }
+  var section: Section = .spend
 
   private var lastActive: String? {
     BarFormatting.lastActiveLabel(
@@ -16,20 +25,19 @@ struct BarAnalyticsView: View {
   }
 
   var body: some View {
-    VStack(alignment: .leading, spacing: 8) {
-      SectionLabel("Usage")
-
-      if analytics.hasRecentData {
-        recentGrid
-      } else {
-        idleHero
-      }
-
-      sparklineBlock
+    switch section {
+    case .spend:
+      spendStrip
+    case .breakdown:
+      breakdown
+    }
+  }
 
+  /// By-surface + top-models detail, tightened and subordinate.
+  @ViewBuilder private var breakdown: some View {
+    VStack(alignment: .leading, spacing: 6) {
       // Surface breakdown: "how much Claude Code vs Codex" — only shown when
-      // the backend supplies at least one surface entry. Top 5 keeps the section
-      // compact; the full list is available in the dashboard.
+      // the backend supplies at least one surface entry. Top 5 keeps it compact.
       if !analytics.bySurface.isEmpty {
         SectionLabel("By surface")
         let peakSurface = analytics.bySurface.map(\.cost).max() ?? 1
@@ -50,71 +58,44 @@ struct BarAnalyticsView: View {
     }
   }
 
-  /// Live spend grid (only when recent windows actually carry data).
-  private var recentGrid: some View {
-    VStack(spacing: 5) {
-      HStack(spacing: 5) {
-        StatCell(title: "Today", value: BarFormatting.money(analytics.today.cost))
-        StatCell(title: "7 days", value: BarFormatting.money(analytics.last7d.cost))
-      }
-      HStack(spacing: 5) {
-        StatCell(title: "30 days", value: BarFormatting.money(analytics.last30d.cost))
-        StatCell(title: "All-time", value: BarFormatting.money(analytics.allTime.cost), accent: true)
-      }
-    }
+  /// True when there's any surface/model detail worth a divider + section.
+  var hasBreakdown: Bool {
+    !analytics.bySurface.isEmpty || !analytics.topModels.isEmpty
   }
 
-  /// Honest idle state: a single "No usage in N days" line, with all-time spend
-  /// promoted to the hero and the last-active caption underneath.
-  private var idleHero: some View {
-    VStack(alignment: .leading, spacing: 5) {
-      HStack(spacing: 6) {
-        Image(systemName: "moon.zzz")
-          .font(.caption)
+  /// The collapsed informational spend strip: a "SPEND" label, one muted caption
+  /// line, and a thin inline 30-day sparkline when there is real spend.
+  private var spendStrip: some View {
+    VStack(alignment: .leading, spacing: 3) {
+      SectionLabel("Spend")
+      if analytics.hasRecentData {
+        Text(spendCaption)
+          .font(.caption2)
           .foregroundStyle(.secondary)
-        Text(idleHeadline)
-          .font(.caption)
-          .foregroundStyle(.secondary)
-      }
-      StatCell(
-        title: "All-time spend",
-        value: BarFormatting.money(analytics.allTime.cost),
-        accent: true)
-      if let lastActive {
-        Text(lastActive)
+        if !sparklineIsEmpty {
+          Sparkline(values: analytics.byDay.map(\.cost)).frame(height: 16)
+        }
+      } else {
+        Text(idleCaption)
           .font(.caption2)
           .foregroundStyle(.secondary)
       }
     }
   }
 
-  private var idleHeadline: String {
-    if let d = analytics.daysSinceLastActivity {
-      return "No usage in \(d) days"
-    }
-    return "No usage in 30 days"
+  /// One-line rollup: "today $NN · 7d $N.Nk · 30d $N.Nk".
+  private var spendCaption: String {
+    "today \(BarFormatting.money(analytics.today.cost))"
+      + " · 7d \(BarFormatting.money(analytics.last7d.cost))"
+      + " · 30d \(BarFormatting.money(analytics.last30d.cost))"
   }
 
-  /// Sparkline over the 30-day series, with an honest placeholder when every day
-  /// is zero (a flat line with no context reads as broken).
-  private var sparklineBlock: some View {
-    VStack(alignment: .leading, spacing: 4) {
-      if sparklineIsEmpty {
-        Text(idleHeadline)
-          .font(.caption2).foregroundStyle(.secondary)
-        if let lastActive {
-          Text(lastActive).font(.caption2).foregroundStyle(.tertiary)
-        }
-      } else {
-        HStack {
-          Text("Last 30 days").font(.caption2).foregroundStyle(.secondary)
-          Spacer()
-          Text("\(BarFormatting.count(analytics.last30d.requests)) req")
-            .font(.caption2).foregroundStyle(.secondary)
-        }
-        Sparkline(values: analytics.byDay.map(\.cost)).frame(height: 28)
-      }
-    }
+  /// Honest idle caption when there's no recent spend, folding in last-active.
+  private var idleCaption: String {
+    let headline =
+      analytics.daysSinceLastActivity.map { "No usage in \($0) days" } ?? "No usage in 30 days"
+    if let lastActive { return "\(headline) · \(lastActive.lowercased())" }
+    return headline
   }
 
   private var sparklineIsEmpty: Bool {
@@ -157,30 +138,6 @@ private struct SurfaceBar: View {
   }
 }
 
-/// A small labelled stat tile.
-private struct StatCell: View {
-  let title: String
-  let value: String
-  var accent: Bool = false
-
-  var body: some View {
-    VStack(alignment: .leading, spacing: 2) {
-      Text(title.uppercased())
-        .font(.system(size: 9, weight: .semibold))
-        .foregroundStyle(.secondary)
-      Text(value)
-        .font(.system(.callout, design: .rounded).weight(.semibold))
-        .foregroundStyle(accent ? BarTheme.accent : .primary)
-        .lineLimit(1)
-        .minimumScaleFactor(0.7)
-    }
-    .frame(maxWidth: .infinity, alignment: .leading)
-    .padding(.vertical, 5)
-    .padding(.horizontal, 9)
-    .background(Color.primary.opacity(0.05), in: RoundedRectangle(cornerRadius: 7))
-  }
-}
-
 /// One top-model row: name + spend with a proportional accent bar behind.
 private struct ModelBar: View {
   let model: BarAnalytics.Model
diff --git a/macos-bar/Sources/CCSBarApp/BarCardFormatting.swift b/macos-bar/Sources/CCSBarApp/BarCardFormatting.swift
new file mode 100644
index 00000000..cf353d3b
--- /dev/null
+++ b/macos-bar/Sources/CCSBarApp/BarCardFormatting.swift
@@ -0,0 +1,54 @@
+import Foundation
+import CCSBarCore
+
+/// App-side date phrasing for the subscription card. Kept out of Core so the
+/// shared formatting contract there stays untouched. Parses ISO-8601 the same
+/// way Core does (with and without fractional seconds) so timestamp handling
+/// matches the rest of the bar.
+enum BarCardFormatting {
+  /// Parse an ISO-8601 timestamp, tolerating an optional fractional-seconds
+  /// component. Mirrors Core's parser, which is module-internal there.
+  private static func isoDate(_ iso: String) -> Date? {
+    let withFraction = ISO8601DateFormatter()
+    withFraction.formatOptions = [.withInternetDateTime, .withFractionalSeconds]
+    if let d = withFraction.date(from: iso) { return d }
+    let plain = ISO8601DateFormatter()
+    plain.formatOptions = [.withInternetDateTime]
+    return plain.date(from: iso)
+  }
+
+  /// Compact reset form for the Opus/Sonnet split + secondary lines:
+  ///   <24h  → "2h 18m"
+  ///   <7d   → weekday, e.g. "Fri"
+  ///   >=7d  → "Jun 14"
+  /// Returns nil for a missing/unparseable timestamp (caller omits the clause).
+  static func shortReset(iso: String?, now: Date) -> String? {
+    guard let iso, let date = isoDate(iso) else { return nil }
+    let secs = date.timeIntervalSince(now)
+    if secs <= 0 { return "due" }
+    if secs < 24 * 3600 {
+      let total = Int(secs / 60)
+      let h = total / 60
+      let m = total % 60
+      return h > 0 ? "\(h)h \(m)m" : "\(m)m"
+    }
+    let fmt = DateFormatter()
+    fmt.locale = Locale(identifier: "en_US_POSIX")
+    if secs < 7 * 24 * 3600 {
+      fmt.dateFormat = "EEE"  // weekday, e.g. "Fri"
+    } else {
+      fmt.dateFormat = "MMM d"  // e.g. "Jun 14"
+    }
+    return fmt.string(from: date)
+  }
+
+  /// Local wall-clock "HH:mm" for the Codex stale footnote, e.g. "13:42".
+  /// Returns nil for a missing/unparseable timestamp.
+  static func clockTime(iso: String?) -> String? {
+    guard let iso, let date = isoDate(iso) else { return nil }
+    let fmt = DateFormatter()
+    fmt.locale = Locale(identifier: "en_US_POSIX")
+    fmt.dateFormat = "HH:mm"
+    return fmt.string(from: date)
+  }
+}
diff --git a/macos-bar/Sources/CCSBarApp/BarMenuView.swift b/macos-bar/Sources/CCSBarApp/BarMenuView.swift
index 86e1e01a..4078fec0 100644
--- a/macos-bar/Sources/CCSBarApp/BarMenuView.swift
+++ b/macos-bar/Sources/CCSBarApp/BarMenuView.swift
@@ -21,17 +21,18 @@ struct BarMenuView: View {
       if viewModel.offline {
         offlineState.padding(14)
       } else {
-        // Scrollbar is hidden: the panel chrome already constrains height and a
-        // visible scrollbar track adds visual clutter in an always-on-screen widget.
-        // Overflow is still fully scrollable — the indicator is just not shown.
+        // The scroll indicator is suppressed (.never, not just .hidden) AND the
+        // enclosing NSScrollView's scroller is hard-disabled via ScrollerHider:
+        // inside a MenuBarExtra popover the SwiftUI preference alone is sometimes
+        // ignored and a scroller track steals width + misaligns content. With the
+        // reorder + collapsed spend strip the important rows fit without scrolling
+        // for the common 1-4 subscription setup; the scroll only engages for
+        // genuine pool/model overflow.
         ScrollView {
-          VStack(alignment: .leading, spacing: 10) {
-            if let analytics = viewModel.analytics {
-              BarAnalyticsView(analytics: analytics)
-            }
-
-            // In-dropdown alert list: surfaces the conditions the engine flagged
-            // this poll so users who deny system notifications still see them.
+          VStack(alignment: .leading, spacing: 8) {
+            // (1) ALERTS first — urgent quota crossings surface above everything.
+            // Spend-cap alerts are opt-in OFF by default, so by default only
+            // quota/reauth/cooldown conditions appear here.
             if !viewModel.activeAlerts.isEmpty {
               VStack(alignment: .leading, spacing: 6) {
                 SectionLabel("Alerts")
@@ -41,14 +42,35 @@ struct BarMenuView: View {
               }
             }
 
+            // (2) SUBSCRIPTIONS — the dominant section, opens here.
             accountsSection
+
+            // (3) SPEND — demoted to a thin informational strip below the cockpit.
+            if let analytics = viewModel.analytics {
+              Divider()
+              BarAnalyticsView(analytics: analytics, section: .spend)
+            }
+
+            // (4) POOL ACCOUNTS — compact generic rows, subordinate.
+            poolSection
+
+            // (5) BY-SURFACE / TOP MODELS — tightened detail, below the pool.
+            if let analytics = viewModel.analytics,
+              BarAnalyticsView(analytics: analytics, section: .breakdown).hasBreakdown
+            {
+              BarAnalyticsView(analytics: analytics, section: .breakdown)
+            }
+
+            // Zero-size AppKit bridge that disables the popover's NSScrollView
+            // scroller at runtime (belt-and-suspenders with .scrollIndicators).
+            ScrollerHider().frame(width: 0, height: 0)
           }
           .padding(12)
         }
-        .scrollIndicators(.hidden)
-        // 580 gives room for the full layout (2×2 grid + sparkline + surface section
-        // + top models + accounts) without wasted whitespace on a typical 1-4 account
-        // setup. The scroll still triggers gracefully when content overflows.
+        .scrollIndicators(.never)
+        // 580 fits the full reordered layout (subscription cards + spend strip +
+        // pool rows + surface/models) without wasted whitespace for a typical
+        // 1-4 account setup. Scroll engages gracefully only on real overflow.
         .frame(maxHeight: 580)
       }
 
@@ -62,11 +84,12 @@ struct BarMenuView: View {
     }
   }
 
-  /// Accounts list. Native first-party subscriptions (Claude Code / Codex) render
-  /// in a top "Subscriptions" group so the user's own plan quota reads apart from
-  /// the rotating CLIProxy "Pool accounts". The split is suppressed when there are
-  /// no subscriptions (or no pool), so the established single "Accounts" header is
-  /// kept for the common CLIProxy-only setup.
+  /// The cockpit. Native subscriptions (Claude Code / Codex) render as detailed
+  /// `BarSubscriptionCard`s at the very top, ordered tightest-binding-first
+  /// (closest to empty on top) so the window the user is about to run out of
+  /// leads. CLIProxy pool accounts keep the compact generic `BarRowView` below,
+  /// subordinate. The two-section split is suppressed when only one kind is
+  /// present, preserving the single "Accounts" header for a CLIProxy-only setup.
   @ViewBuilder private var accountsSection: some View {
     let parts = BarFormatting.partitionSubscriptions(viewModel.rows)
     VStack(alignment: .leading, spacing: 6) {
@@ -78,17 +101,29 @@ struct BarMenuView: View {
         Text("No accounts configured")
           .font(.caption)
           .foregroundStyle(.secondary)
-      } else if parts.subscriptions.isEmpty || parts.pool.isEmpty {
-        // Only one kind present: keep the single established header.
+      } else if parts.subscriptions.isEmpty {
+        // CLIProxy-only setup: keep the single established header + generic rows.
         SectionLabel("Accounts")
-        ForEach(viewModel.rows) { row in
+        ForEach(parts.pool) { row in
           BarRowView(row: row, viewModel: viewModel)
         }
       } else {
-        SectionLabel("Subscriptions")
-        ForEach(parts.subscriptions) { row in
-          BarRowView(row: row, viewModel: viewModel)
+        subscriptionsHeader(parts.subscriptions)
+        ForEach(orderedSubscriptions(parts.subscriptions)) { row in
+          BarSubscriptionCard(row: row)
         }
+      }
+    }
+  }
+
+  /// CLIProxy pool accounts as compact generic rows — subordinate, rendered below
+  /// the spend strip. Suppressed entirely when there are no pool accounts, or
+  /// when there are no subscriptions (the CLIProxy-only path renders pool rows
+  /// under the single "Accounts" header in `accountsSection` instead).
+  @ViewBuilder private var poolSection: some View {
+    let parts = BarFormatting.partitionSubscriptions(viewModel.rows)
+    if !parts.subscriptions.isEmpty && !parts.pool.isEmpty {
+      VStack(alignment: .leading, spacing: 6) {
         SectionLabel("Pool accounts")
         ForEach(parts.pool) { row in
           BarRowView(row: row, viewModel: viewModel)
@@ -97,6 +132,43 @@ struct BarMenuView: View {
     }
   }
 
+  /// "SUBSCRIPTIONS" header, with a right-aligned cross-tool headroom hint
+  /// ("most room: <X> NN%") when there are >=2 subscriptions with quota data.
+  /// Falls back to the bare label otherwise.
+  @ViewBuilder private func subscriptionsHeader(_ subs: [BarSummaryRow]) -> some View {
+    HStack(alignment: .firstTextBaseline) {
+      SectionLabel("Subscriptions")
+      Spacer()
+      if let leader = BarQuotaGauge.headroomLeader(subs) {
+        Text("most room: \(leader.label) \(Int(leader.remainingPercent.rounded()))%")
+          .font(.system(size: 10, weight: .medium))
+          .foregroundStyle(.secondary)
+          .lineLimit(1)
+      }
+    }
+  }
+
+  /// Order subscription cards by tightest binding window ascending (closest to
+  /// empty on top). Rows with no binding window (error/reauth) sink to the bottom
+  /// so the actionable quota always leads.
+  private func orderedSubscriptions(_ subs: [BarSummaryRow]) -> [BarSummaryRow] {
+    subs.sorted { a, b in
+      let ra = BarQuotaGauge.selectBindingWindow(a.quotaWindows ?? [])?.remainingPercent
+      let rb = BarQuotaGauge.selectBindingWindow(b.quotaWindows ?? [])?.remainingPercent
+      switch (ra, rb) {
+      case let (.some(x), .some(y)):
+        if x != y { return x < y }
+        return (a.displayName ?? a.provider) < (b.displayName ?? b.provider)
+      case (.some, .none):
+        return true  // a has quota, b doesn't → a first
+      case (.none, .some):
+        return false
+      case (.none, .none):
+        return (a.displayName ?? a.provider) < (b.displayName ?? b.provider)
+      }
+    }
+  }
+
   private var header: some View {
     HStack(spacing: 8) {
       Image(nsImage: MenuBarIcon.headerImage())
diff --git a/macos-bar/Sources/CCSBarApp/BarPreferences.swift b/macos-bar/Sources/CCSBarApp/BarPreferences.swift
index 0e98dab5..7e4e0467 100644
--- a/macos-bar/Sources/CCSBarApp/BarPreferences.swift
+++ b/macos-bar/Sources/CCSBarApp/BarPreferences.swift
@@ -20,8 +20,17 @@ struct BarPreferences {
 
   /// Seed the registration domain so missing keys resolve to their real defaults
   /// rather than the type-zero value. Idempotent — safe to call on every launch.
+  ///
+  /// The two pay-per-use spend-cap alerts default to OFF (opt-in): subscriptions
+  /// are flat-rate, so a spend alert on them is meaningless, and pool spend is
+  /// informational context, never a default-on alert. Quota / reauth / cooldown
+  /// stay default-on (the quota-first alert set). The caps themselves keep Core's
+  /// sane values so a user who opts in starts with $500 / $10000.
   func registerDefaults() {
-    defaults.register(defaults: BarAlertPrefsStore.registrationDefaults)
+    var d = BarAlertPrefsStore.registrationDefaults
+    d[BarAlertPrefsStore.Key.dailyEnabled] = false
+    d[BarAlertPrefsStore.Key.monthEnabled] = false
+    defaults.register(defaults: d)
   }
 
   /// Read the current preferences. Pulls each key into a plain dictionary and
diff --git a/macos-bar/Sources/CCSBarApp/BarPreferencesView.swift b/macos-bar/Sources/CCSBarApp/BarPreferencesView.swift
index 2009887e..7ee26bfb 100644
--- a/macos-bar/Sources/CCSBarApp/BarPreferencesView.swift
+++ b/macos-bar/Sources/CCSBarApp/BarPreferencesView.swift
@@ -77,16 +77,19 @@ struct BarPreferencesView: View {
     }
   }
 
+  /// Pay-per-use spend caps. Opt-in (OFF by default) and labelled for pool
+  /// accounts, NOT subscriptions: flat-rate subscription plans have no spend to
+  /// cap, so these alerts only make sense for metered pool usage.
   private var spendSection: some View {
-    Section("Spend") {
-      Toggle("Alert on daily spend", isOn: $draft.dailySpendEnabled)
+    Section("Opt-in · pay-per-use spend") {
+      Toggle("Daily spend cap (pool accounts)", isOn: $draft.dailySpendEnabled)
         .onChange(of: draft.dailySpendEnabled) { _ in writeThrough() }
       capRow(label: "Daily cap", value: $draft.dailyCapUSD, enabled: draft.dailySpendEnabled)
 
-      Toggle("Alert on monthly spend", isOn: $draft.monthSpendEnabled)
+      Toggle("Monthly spend cap (pool accounts)", isOn: $draft.monthSpendEnabled)
         .onChange(of: draft.monthSpendEnabled) { _ in writeThrough() }
       capRow(label: "Month cap", value: $draft.monthCapUSD, enabled: draft.monthSpendEnabled)
-      Text("Monthly cap measures calendar month-to-date, so it resets at the start of each billing month.")
+      Text("Subscriptions are flat-rate and unaffected. These caps only watch metered pay-per-use pool spend, and are off until you enable them.")
         .font(.caption2)
         .foregroundStyle(.secondary)
     }
diff --git a/macos-bar/Sources/CCSBarApp/BarSubscriptionCard.swift b/macos-bar/Sources/CCSBarApp/BarSubscriptionCard.swift
new file mode 100644
index 00000000..aabcf133
--- /dev/null
+++ b/macos-bar/Sources/CCSBarApp/BarSubscriptionCard.swift
@@ -0,0 +1,254 @@
+import SwiftUI
+import CCSBarCore
+
+/// Dedicated, detailed card for a native first-party subscription (Claude Code /
+/// Codex). Replaces the cramped generic `BarRowView` for native rows so the
+/// user's own plan quota reads as the cockpit hero: a single-column vertical
+/// stack, one fact per line, no 2-column flex wrap.
+///
+/// Why this exists separately from `BarRowView`: the generic row double-labelled
+/// the product, showed a confusing "no data" cost cell, and carried pause/solo +
+/// tier-lock controls that make no sense for a non-routable flat-rate
+/// subscription. Stripping those four elements and stacking the windows
+/// vertically is the de-cramping fix. All binding/burn math is pulled fresh at
+/// render from `BarQuotaGauge` (pure Core) so the pace clause reflects `now`.
+struct BarSubscriptionCard: View {
+  let row: BarSummaryRow
+  /// Injected so the pace/countdown math is deterministic; defaults to the live
+  /// clock in production and is pinned in previews.
+  var now: Date = Date()
+
+  /// Windows decoded from the row; empty for error/reauth rows (no hero gauge).
+  private var windows: [QuotaWindowDetail] { row.quotaWindows ?? [] }
+
+  /// The window the subscription runs out of first (lowest remaining). Drives the
+  /// hero gauge; nil when there is no quota data (error/reauth row).
+  private var binding: QuotaWindowDetail? {
+    BarQuotaGauge.selectBindingWindow(windows)
+  }
+
+  var body: some View {
+    VStack(alignment: .leading, spacing: 7) {
+      titleRow
+      if let binding {
+        heroBlock(binding)
+        if let secondary = secondaryWindow(excluding: binding) {
+          secondaryLine(secondary)
+        }
+        opusSonnetLines
+        staleFootnote
+      } else {
+        emptyState
+      }
+    }
+    .padding(.vertical, 9)
+    .padding(.horizontal, 10)
+    .frame(maxWidth: .infinity, alignment: .leading)
+    .background(
+      BarTheme.subscription.opacity(0.07),
+      in: RoundedRectangle(cornerRadius: 9))
+  }
+
+  // MARK: Title
+
+  /// Product name + tier chip. No provider-chip echo, no "subscription" badge
+  /// (the section header carries that), no pause toggle, no overflow menu —
+  /// those four removals are the de-cramping fix.
+  private var titleRow: some View {
+    HStack(spacing: 6) {
+      Circle()
+        .fill(healthColor)
+        .frame(width: 8, height: 8)
+      Text(BarFormatting.providerLabel(row.provider))
+        .font(.system(.body, design: .default).weight(.semibold))
+        .lineLimit(1)
+      if row.needsReauth {
+        Chip("reauth", tint: .red)
+      }
+      Spacer(minLength: 4)
+      if let tier = row.tier {
+        Chip(tier, tint: BarTheme.subscription)
+      }
+    }
+  }
+
+  // MARK: Hero (binding window)
+
+  private func heroBlock(_ w: QuotaWindowDetail) -> some View {
+    let band = BarQuotaGauge.band(percentage: w.remainingPercent, status: "ok")
+    let fill = BarQuotaGauge.fillFraction(percentage: w.remainingPercent, status: "ok") ?? 0
+    return VStack(alignment: .leading, spacing: 5) {
+      HStack(alignment: .center, spacing: 8) {
+        heroGauge(fill: fill, color: color(for: band))
+        Text("\(Int(w.remainingPercent.rounded()))% left")
+          .font(.system(.callout, design: .rounded).weight(.semibold))
+          .foregroundStyle(color(for: band))
+      }
+      Text(heroFacts(w))
+        .font(.caption2)
+        .foregroundStyle(.secondary)
+        .fixedSize(horizontal: false, vertical: true)
+    }
+  }
+
+  /// Full-width hero gauge bar, filled by the remaining fraction and tinted by
+  /// the severity band (reuses Core band/fill math).
+  private func heroGauge(fill: Double, color: Color) -> some View {
+    GeometryReader { geo in
+      ZStack(alignment: .leading) {
+        Capsule().fill(Color.primary.opacity(0.12))
+        Capsule()
+          .fill(color)
+          .frame(width: max(3, geo.size.width * fill))
+      }
+    }
+    .frame(height: 7)
+    .frame(maxWidth: .infinity)
+  }
+
+  /// One wrapped facts line: "<label> window · resets <countdown> · <pace>".
+  /// When pace is nil the line ends after the reset countdown; when the limit is
+  /// reached the pace clause replaces the bare countdown.
+  private func heroFacts(_ w: QuotaWindowDetail) -> String {
+    let pace = BarQuotaGauge.paceClause(
+      usedPercent: w.usedPercent,
+      remainingPercent: w.remainingPercent,
+      resetAt: w.resetAt,
+      windowMinutes: w.windowMinutes,
+      status: row.quotaStatus,
+      now: now)
+    // The limit-reached pace clause already carries "resets in ...", so it
+    // stands in for the countdown rather than appending to it.
+    if let pace, pace.hasPrefix("limit reached") {
+      return "\(w.label) window · \(pace)"
+    }
+    var parts = ["\(w.label) window"]
+    if let countdown = BarQuotaGauge.resetCountdown(nextReset: w.resetAt, now: now) {
+      parts.append(countdown)
+    }
+    if let pace { parts.append(pace) }
+    return parts.joined(separator: " · ")
+  }
+
+  // MARK: Secondary window
+
+  /// The other core window (the non-binding of five_hour / seven_day) shown as a
+  /// thin inline bar plus a compact remaining + reset line. Opus/Sonnet are NOT
+  /// secondary candidates — they have their own split lines.
+  private func secondaryWindow(excluding binding: QuotaWindowDetail) -> QuotaWindowDetail? {
+    let core = windows.filter { $0.key == "five_hour" || $0.key == "seven_day" }
+    return core.first { $0.key != binding.key }
+  }
+
+  private func secondaryLine(_ w: QuotaWindowDetail) -> some View {
+    let band = BarQuotaGauge.band(percentage: w.remainingPercent, status: "ok")
+    let fill = BarQuotaGauge.fillFraction(percentage: w.remainingPercent, status: "ok") ?? 0
+    return HStack(spacing: 6) {
+      thinBar(fill: fill, color: color(for: band))
+      Text("\(w.label)  \(Int(w.remainingPercent.rounded()))%")
+        .font(.system(.caption2, design: .monospaced))
+        .foregroundStyle(.secondary)
+      if let countdown = BarQuotaGauge.resetCountdown(nextReset: w.resetAt, now: now) {
+        Text("· \(countdown)")
+          .font(.caption2)
+          .foregroundStyle(.tertiary)
+          .lineLimit(1)
+      }
+      Spacer(minLength: 0)
+    }
+  }
+
+  // MARK: Opus / Sonnet split (Claude Max only)
+
+  /// Indented Opus/Sonnet weekly sub-lines, present only when the row carries the
+  /// seven_day_opus / seven_day_sonnet windows (Claude Max). Omitted gracefully
+  /// for Pro / Codex.
+  @ViewBuilder private var opusSonnetLines: some View {
+    let opus = windows.first { $0.key == "seven_day_opus" }
+    let sonnet = windows.first { $0.key == "seven_day_sonnet" }
+    if opus != nil || sonnet != nil {
+      VStack(alignment: .leading, spacing: 2) {
+        if let opus { splitLine(title: "Opus", w: opus) }
+        if let sonnet { splitLine(title: "Sonnet", w: sonnet) }
+      }
+    }
+  }
+
+  private func splitLine(title: String, w: QuotaWindowDetail) -> some View {
+    HStack(spacing: 4) {
+      Text("└ \(title)")
+        .font(.caption2)
+        .foregroundStyle(.tertiary)
+      Text("\(Int(w.remainingPercent.rounded()))%")
+        .font(.system(.caption2, design: .monospaced))
+        .foregroundStyle(.secondary)
+      if let short = BarCardFormatting.shortReset(iso: w.resetAt, now: now) {
+        Text("· resets \(short)")
+          .font(.caption2)
+          .foregroundStyle(.tertiary)
+          .lineLimit(1)
+      }
+      Spacer(minLength: 0)
+    }
+  }
+
+  // MARK: Stale footnote (Codex only)
+
+  /// Muted "as of <HH:mm> (older session)" caption when the Codex reading came
+  /// from an older session. The gauge/percent still render normally — the data is
+  /// real, only its freshness is qualified. Never fakes a "live" badge.
+  @ViewBuilder private var staleFootnote: some View {
+    if let stale = row.staleAsOf, let clock = BarCardFormatting.clockTime(iso: stale) {
+      HStack(spacing: 4) {
+        Image(systemName: "clock.arrow.circlepath")
+          .font(.system(size: 9))
+          .foregroundStyle(.tertiary)
+        Text("as of \(clock) (older session)")
+          .font(.caption2)
+          .foregroundStyle(.tertiary)
+      }
+    }
+  }
+
+  // MARK: Empty / error
+
+  /// No quota windows (reauth / error row): no hero gauge, just the honest
+  /// tri-state quota label. Never shows a "no data" cost cell.
+  private var emptyState: some View {
+    Text(
+      row.needsReauth
+        ? "reauth needed"
+        : BarFormatting.quotaLabel(percentage: row.quotaPercentage, status: row.quotaStatus)
+    )
+    .font(.caption)
+    .foregroundStyle(.secondary)
+  }
+
+  // MARK: Shared visuals
+
+  private func thinBar(fill: Double, color: Color) -> some View {
+    ZStack(alignment: .leading) {
+      Capsule().fill(Color.primary.opacity(0.10))
+      Capsule().fill(color).frame(width: max(2, 40 * fill))
+    }
+    .frame(width: 40, height: 4)
+  }
+
+  private var healthColor: Color {
+    switch row.health {
+    case "error": return .red
+    case "warning": return .orange
+    default: return .green
+    }
+  }
+
+  private func color(for band: BarQuotaGauge.Band) -> Color {
+    switch band {
+    case .green: return .green
+    case .yellow: return .yellow
+    case .orange: return .orange
+    case .red: return .red
+    case .none: return .secondary
+    }
+  }
+}
diff --git a/macos-bar/Sources/CCSBarApp/ScrollerHider.swift b/macos-bar/Sources/CCSBarApp/ScrollerHider.swift
new file mode 100644
index 00000000..4e362936
--- /dev/null
+++ b/macos-bar/Sources/CCSBarApp/ScrollerHider.swift
@@ -0,0 +1,43 @@
+import SwiftUI
+import AppKit
+
+/// Zero-size bridge that walks up to the enclosing `NSScrollView` at runtime and
+/// hard-disables both scrollers.
+///
+/// Why this exists on top of `.scrollIndicators(.never)`: inside a
+/// `MenuBarExtra` popover the SwiftUI indicator preference is sometimes ignored,
+/// and AppKit still draws a vertical scroller whose track steals horizontal width
+/// and shoves content out of alignment. Reaching the real `NSScrollView` and
+/// setting `hasVerticalScroller = false` (plus overlay/autohide) guarantees no
+/// scroller chrome regardless of how the popover hosts the SwiftUI content.
+struct ScrollerHider: NSViewRepresentable {
+  func makeNSView(context: Context) -> NSView {
+    let probe = NSView(frame: .zero)
+    // Defer the walk until the view is in the hierarchy; at make-time the
+    // enclosing scroll view does not exist yet.
+    DispatchQueue.main.async { hideScroller(from: probe) }
+    return probe
+  }
+
+  func updateNSView(_ nsView: NSView, context: Context) {
+    // The scroll view can be rebuilt on content changes inside the popover, so
+    // re-apply on each update to keep the scroller suppressed.
+    DispatchQueue.main.async { hideScroller(from: nsView) }
+  }
+
+  /// Walk superviews until the first `NSScrollView`, then disable its scrollers.
+  private func hideScroller(from view: NSView) {
+    var current: NSView? = view.superview
+    while let v = current {
+      if let scroll = v as? NSScrollView {
+        scroll.hasVerticalScroller = false
+        scroll.hasHorizontalScroller = false
+        scroll.scrollerStyle = .overlay
+        scroll.autohidesScrollers = true
+        scroll.drawsBackground = false
+        return
+      }
+      current = v.superview
+    }
+  }
+}
diff --git a/macos-bar/Sources/CCSBarCheck/main.swift b/macos-bar/Sources/CCSBarCheck/main.swift
index 38aed6be..77e3e7db 100644
--- a/macos-bar/Sources/CCSBarCheck/main.swift
+++ b/macos-bar/Sources/CCSBarCheck/main.swift
@@ -924,6 +924,260 @@ do {
   check(parts.pool.count == 2, "native: pool-only list keeps all rows in pool group")
 }
 
+// MARK: Per-window quota detail decode (resilient, backward compatible)
+
+do {
+  let nativeJSON = """
+    [
+      {
+        "account_id": "claude-code",
+        "provider": "claude-code",
+        "displayName": "Claude Code",
+        "tier": "max",
+        "paused": false,
+        "quota_percentage": 44,
+        "quotaStatus": "ok",
+        "next_reset": "2026-06-09T20:00:00.000Z",
+        "is_default": false,
+        "last_activity_at": null,
+        "today_cost": null,
+        "health": "ok",
+        "cached": false,
+        "fetchedAt": "2026-06-09T14:00:00.000Z",
+        "needsReauth": false,
+        "quota_windows": [
+          { "key": "five_hour", "label": "5h", "usedPercent": 56, "remainingPercent": 44, "resetAt": "2026-06-09T20:00:00.000Z", "windowMinutes": 300 },
+          { "key": "seven_day", "label": "week", "usedPercent": 30, "remainingPercent": 70, "resetAt": "2026-06-15T00:00:00.000Z", "windowMinutes": 10080 },
+          { "key": "seven_day_opus", "label": "Opus · week", "usedPercent": 25, "remainingPercent": 75, "resetAt": "2026-06-15T00:00:00.000Z", "windowMinutes": 10080 },
+          { "key": "seven_day_sonnet", "label": "Sonnet · week", "usedPercent": 60, "remainingPercent": 40, "resetAt": "2026-06-15T00:00:00.000Z", "windowMinutes": 10080 }
+        ]
+      },
+      {
+        "account_id": "codex",
+        "provider": "codex",
+        "displayName": "Codex",
+        "tier": "pro",
+        "paused": false,
+        "quota_percentage": 70,
+        "quotaStatus": "ok",
+        "next_reset": "2026-06-09T19:00:00.000Z",
+        "is_default": false,
+        "last_activity_at": null,
+        "today_cost": null,
+        "health": "warning",
+        "cached": false,
+        "fetchedAt": "2026-06-09T14:00:00.000Z",
+        "needsReauth": false,
+        "quota_windows": [
+          { "key": "five_hour", "label": "5h", "usedPercent": 19, "remainingPercent": 81, "resetAt": "2026-06-09T19:00:00.000Z", "windowMinutes": 300 }
+        ],
+        "stale_as_of": "2026-06-06T11:00:00.000Z"
+      }
+    ]
+    """
+  do {
+    let rows = try JSONDecoder().decode([BarSummaryRow].self, from: Data(nativeJSON.utf8))
+    check(rows.count == 2, "qw: decodes two native rows")
+    let claude = rows[0]
+    check(claude.quotaWindows?.count == 4, "qw: claude decodes 4 windows")
+    check(claude.quotaWindows?[0].key == "five_hour", "qw: first window key five_hour")
+    check(claude.quotaWindows?[0].label == "5h", "qw: first window label 5h")
+    check(claude.quotaWindows?[0].usedPercent == 56, "qw: usedPercent decodes")
+    check(claude.quotaWindows?[0].remainingPercent == 44, "qw: remainingPercent decodes")
+    check(claude.quotaWindows?[0].windowMinutes == 300, "qw: windowMinutes 300 decodes")
+    check(
+      claude.quotaWindows?[0].resetAt == "2026-06-09T20:00:00.000Z", "qw: resetAt decodes (ISO)")
+    check(
+      claude.quotaWindows?[2].key == "seven_day_opus", "qw: opus window present (Max)")
+    check(
+      claude.quotaWindows?[3].key == "seven_day_sonnet", "qw: sonnet window present (Max)")
+    check(claude.staleAsOf == nil, "qw: claude (fresh) has nil staleAsOf")
+    check(claude.quotaWindows?[0].id == "five_hour", "qw: window id is its key")
+
+    let codex = rows[1]
+    check(codex.quotaWindows?.count == 1, "qw: codex decodes 1 window")
+    check(codex.staleAsOf == "2026-06-06T11:00:00.000Z", "qw: codex staleAsOf decodes (stale)")
+  } catch {
+    check(false, "qw: native decode failed: \(error)")
+  }
+}
+
+// Legacy payload WITHOUT the two native-only keys still decodes (quotaWindows
+// and staleAsOf -> nil). This is the backward-compatibility guarantee.
+do {
+  let legacyJSON = """
+    [
+      {
+        "account_id": "alice@example.com",
+        "provider": "agy",
+        "displayName": "Alice",
+        "tier": "ultra",
+        "paused": false,
+        "quota_percentage": 80,
+        "quotaStatus": "ok",
+        "next_reset": null,
+        "is_default": true,
+        "last_activity_at": null,
+        "today_cost": null,
+        "health": "ok",
+        "cached": true,
+        "fetchedAt": "2026-06-07T19:00:00Z",
+        "needsReauth": false
+      }
+    ]
+    """
+  do {
+    let rows = try JSONDecoder().decode([BarSummaryRow].self, from: Data(legacyJSON.utf8))
+    check(rows.count == 1, "qw-legacy: legacy row decodes")
+    check(rows[0].quotaWindows == nil, "qw-legacy: missing quota_windows -> nil")
+    check(rows[0].staleAsOf == nil, "qw-legacy: missing stale_as_of -> nil")
+  } catch {
+    check(false, "qw-legacy: legacy decode failed: \(error)")
+  }
+}
+
+// MARK: burnMinutesRemaining (linear single-window projection)
+
+do {
+  // Mid-window pace: a 300-min window resets in 150 min -> elapsed = 150 min.
+  // usedPercent = 50 -> rate = 50/150 = 1/3 %/min -> remaining 50% / (1/3) = 150.
+  let now = Date(timeIntervalSince1970: 1_700_000_000)
+  let resetIn150 = now.addingTimeInterval(150 * 60)
+  let t = BarQuotaGauge.burnMinutesRemaining(
+    usedPercent: 50, resetAt: resetIn150, windowMinutes: 300, now: now)
+  check(t == 150, "burn: mid-window 50% over 150min elapsed -> 150 min remaining")
+
+  // Near-zero usage -> nil ("plenty"); avoids an absurd projection.
+  let lowUse = BarQuotaGauge.burnMinutesRemaining(
+    usedPercent: 0.5, resetAt: resetIn150, windowMinutes: 300, now: now)
+  check(lowUse == nil, "burn: near-zero usage -> nil (plenty)")
+
+  // Exhausted -> 0 ("limit reached").
+  let exhausted = BarQuotaGauge.burnMinutesRemaining(
+    usedPercent: 100, resetAt: resetIn150, windowMinutes: 300, now: now)
+  check(exhausted == 0, "burn: usedPercent>=100 -> 0 (limit reached)")
+
+  // Unknown window length or reset -> nil (omit pace).
+  check(
+    BarQuotaGauge.burnMinutesRemaining(
+      usedPercent: 50, resetAt: resetIn150, windowMinutes: nil, now: now) == nil,
+    "burn: nil windowMinutes -> nil")
+  check(
+    BarQuotaGauge.burnMinutesRemaining(
+      usedPercent: 50, resetAt: nil, windowMinutes: 300, now: now) == nil,
+    "burn: nil resetAt -> nil")
+
+  // elapsed <= 0 (reset already further out than the full window) -> nil.
+  let resetTooFar = now.addingTimeInterval(400 * 60)
+  check(
+    BarQuotaGauge.burnMinutesRemaining(
+      usedPercent: 50, resetAt: resetTooFar, windowMinutes: 300, now: now) == nil,
+    "burn: elapsed<=0 -> nil")
+}
+
+// MARK: selectBindingWindow
+
+do {
+  let now = Date(timeIntervalSince1970: 1_700_000_000)
+  _ = now
+  let fiveHour = QuotaWindowDetail(
+    key: "five_hour", label: "5h", usedPercent: 56, remainingPercent: 44, windowMinutes: 300)
+  let week = QuotaWindowDetail(
+    key: "seven_day", label: "week", usedPercent: 30, remainingPercent: 70, windowMinutes: 10080)
+  let opus = QuotaWindowDetail(
+    key: "seven_day_opus", label: "Opus · week", usedPercent: 75, remainingPercent: 25,
+    windowMinutes: 10080)
+
+  let binding = BarQuotaGauge.selectBindingWindow([fiveHour, week, opus])
+  check(binding?.key == "seven_day_opus", "binding: lowest remaining (opus 25%) wins")
+
+  // Tie on remaining% -> shorter window first.
+  let weekTie = QuotaWindowDetail(
+    key: "seven_day", label: "week", usedPercent: 60, remainingPercent: 40, windowMinutes: 10080)
+  let fiveTie = QuotaWindowDetail(
+    key: "five_hour", label: "5h", usedPercent: 60, remainingPercent: 40, windowMinutes: 300)
+  let tieBinding = BarQuotaGauge.selectBindingWindow([weekTie, fiveTie])
+  check(tieBinding?.key == "five_hour", "binding: remaining tie -> shorter window (5h) wins")
+
+  check(BarQuotaGauge.selectBindingWindow([]) == nil, "binding: empty input -> nil")
+}
+
+// MARK: paceClause phrasing
+
+do {
+  let now = Date(timeIntervalSince1970: 1_700_000_000)
+  let resetIn150 = ISO8601DateFormatter().string(from: now.addingTimeInterval(150 * 60))
+
+  // Finite projection -> "~Hh Mm left at this pace".
+  let finite = BarQuotaGauge.paceClause(
+    usedPercent: 50, remainingPercent: 50, resetAt: resetIn150, windowMinutes: 300, now: now)
+  check(finite == "~2h 30m left at this pace", "pace: finite -> '~2h 30m left at this pace'")
+
+  // Lots of headroom -> "plenty at this pace".
+  let plenty = BarQuotaGauge.paceClause(
+    usedPercent: 10, remainingPercent: 90, resetAt: resetIn150, windowMinutes: 300, now: now)
+  check(plenty == "plenty at this pace", "pace: >=85% remaining -> 'plenty at this pace'")
+
+  // Near-zero usage -> "plenty at this pace" (burn nil but window known).
+  let plentyLow = BarQuotaGauge.paceClause(
+    usedPercent: 0.5, remainingPercent: 99.5, resetAt: resetIn150, windowMinutes: 300, now: now)
+  check(plentyLow == "plenty at this pace", "pace: near-zero usage -> 'plenty at this pace'")
+
+  // Exhausted -> "limit reached, resets in ...".
+  let reached = BarQuotaGauge.paceClause(
+    usedPercent: 100, remainingPercent: 0, resetAt: resetIn150, windowMinutes: 300, now: now)
+  check(
+    reached?.hasPrefix("limit reached, resets in") == true,
+    "pace: 0% remaining -> 'limit reached, resets in ...'")
+
+  // < 5 min floor -> limit-reached path, never a scary "~0m".
+  // usedPercent 99 over 150min elapsed -> ~1.5 min remaining (<5).
+  let nearFloor = BarQuotaGauge.paceClause(
+    usedPercent: 99, remainingPercent: 1, resetAt: resetIn150, windowMinutes: 300, now: now)
+  check(
+    nearFloor?.hasPrefix("limit reached") == true && !(nearFloor?.contains("~0m") ?? true),
+    "pace: <5m floor -> limit-reached, never '~0m'")
+
+  // Unknown window -> nil (omit).
+  let unknown = BarQuotaGauge.paceClause(
+    usedPercent: 50, remainingPercent: 50, resetAt: nil, windowMinutes: nil, now: now)
+  check(unknown == nil, "pace: unknown window -> nil (omit)")
+
+  // resetAt in the past -> nil pace.
+  let pastReset = ISO8601DateFormatter().string(from: now.addingTimeInterval(-60))
+  let past = BarQuotaGauge.paceClause(
+    usedPercent: 50, remainingPercent: 50, resetAt: pastReset, windowMinutes: 300, now: now)
+  check(past == nil, "pace: past resetAt -> nil pace")
+}
+
+// MARK: headroomLeader
+
+do {
+  func subRow(_ provider: String, _ name: String, remaining: Double) -> BarSummaryRow {
+    BarSummaryRow(
+      accountId: provider, provider: provider, displayName: name, quotaStatus: "ok",
+      quotaWindows: [
+        QuotaWindowDetail(
+          key: "five_hour", label: "5h", usedPercent: 100 - remaining,
+          remainingPercent: remaining, windowMinutes: 300)
+      ])
+  }
+  let claude = subRow("claude-code", "Claude Code", remaining: 44)
+  let codex = subRow("codex", "Codex", remaining: 81)
+  let errorRow = BarSummaryRow(
+    accountId: "broken", provider: "claude-code", displayName: "Broken", quotaStatus: "error")
+
+  let leader = BarQuotaGauge.headroomLeader([claude, codex, errorRow])
+  check(leader?.label == "Codex", "headroom: highest-binding-remaining (Codex 81%) leads")
+  check(leader?.remainingPercent == 81, "headroom: leader carries its remaining%")
+
+  // Error/reauth rows (no binding window) are excluded from the count.
+  let single = BarQuotaGauge.headroomLeader([claude, errorRow])
+  check(single == nil, "headroom: <2 eligible subscriptions -> nil")
+
+  check(BarQuotaGauge.headroomLeader([]) == nil, "headroom: empty -> nil")
+}
+
 // cleanup
 try? FileManager.default.removeItem(atPath: tmp)
 
diff --git a/macos-bar/Sources/CCSBarCore/BarQuotaGauge.swift b/macos-bar/Sources/CCSBarCore/BarQuotaGauge.swift
index a11b34a3..189632e0 100644
--- a/macos-bar/Sources/CCSBarCore/BarQuotaGauge.swift
+++ b/macos-bar/Sources/CCSBarCore/BarQuotaGauge.swift
@@ -50,4 +50,151 @@ public enum BarQuotaGauge {
     if hours > 0 { return "resets in \(hours)h \(minutes)m" }
     return "resets in \(minutes)m"
   }
+
+  // MARK: Burn-rate projection (single-window, no history)
+
+  /// Project minutes-to-exhaustion for ONE quota window from a single snapshot.
+  ///
+  /// Linear model, no smoothing, no cross-window inference: a window of length
+  /// `windowMinutes` that resets at `resetAt` started at `resetAt - windowMinutes`
+  /// and has been running `elapsed = windowMinutes - max(0, (resetAt - now)/60)`
+  /// minutes. The window's OWN average burn rate is `usedPercent / elapsed`
+  /// (%/min); minutes left to hit 100% is `(100 - usedPercent) / rate`, which
+  /// simplifies to `(100 - usedPercent) * elapsed / usedPercent`.
+  ///
+  /// Returns:
+  ///   - nil when any input is unknown (windowMinutes/resetAt nil, elapsed <= 0):
+  ///     the caller OMITS the pace clause rather than guessing.
+  ///   - nil when usage is near-zero (<= ~1%): burn is negligible, the caller
+  ///     renders "plenty at this pace" instead of an absurdly large projection.
+  ///   - 0 when already exhausted (usedPercent >= 100): "limit reached".
+  ///   - otherwise the projected whole minutes remaining at the current pace.
+  public static func burnMinutesRemaining(
+    usedPercent: Double, resetAt: Date?, windowMinutes: Int?, now: Date
+  ) -> Int? {
+    guard let windowMinutes, let resetAt else { return nil }
+    let minutesToReset = resetAt.timeIntervalSince(now) / 60
+    let elapsed = Double(windowMinutes) - max(0, minutesToReset)
+    guard elapsed > 0 else { return nil }
+    if usedPercent >= 100 { return 0 }
+    // Near-zero burn would project an effectively infinite runway; treat it as
+    // "plenty" (nil) so the phrasing layer can say so honestly.
+    guard usedPercent > 1.0 else { return nil }
+    let remaining = (100 - usedPercent) * elapsed / usedPercent
+    return Int(remaining)
+  }
+
+  /// Pick the BINDING window: the one a subscription runs out of first, i.e. the
+  /// lowest `remainingPercent` (closest to empty). Ties break to the shorter
+  /// window first (5h before week), then by a stable key order so the choice is
+  /// deterministic. Opus/Sonnet windows are eligible. Returns nil for empty
+  /// input (error/reauth rows have no windows, so they get no hero gauge).
+  public static func selectBindingWindow(_ windows: [QuotaWindowDetail]) -> QuotaWindowDetail? {
+    guard !windows.isEmpty else { return nil }
+    return windows.min { a, b in
+      if a.remainingPercent != b.remainingPercent {
+        return a.remainingPercent < b.remainingPercent
+      }
+      let am = a.windowMinutes ?? Int.max
+      let bm = b.windowMinutes ?? Int.max
+      if am != bm { return am < bm }
+      return keyRank(a.key) < keyRank(b.key)
+    }
+  }
+
+  /// Stable ordering for window keys when remaining% and length tie.
+  private static func keyRank(_ key: String) -> Int {
+    switch key {
+    case "five_hour": return 0
+    case "seven_day": return 1
+    case "seven_day_opus": return 2
+    case "seven_day_sonnet": return 3
+    default: return 4
+    }
+  }
+
+  /// Trailing pace clause for a window's hero/footer line, or nil to OMIT it.
+  ///
+  /// Phrasing rules (in order):
+  ///   - exhausted (remaining <= 0) or status "rejected" → "limit reached,
+  ///     resets in <countdown>". This REPLACES the bare reset countdown.
+  ///   - lots of headroom (remaining >= 85) or near-zero usage (burn == nil) →
+  ///     "plenty at this pace".
+  ///   - a finite projection m >= 5 → "~<Hh Mm> left at this pace".
+  ///   - m < 5 → routed to the limit-reached path (never a scary "~0m").
+  ///   - unknown window (windowMinutes/resetAt nil, elapsed <= 0) → nil (omit).
+  ///   - resetAt already in the past (clock skew / stale) → nil pace; the
+  ///     countdown elsewhere shows "reset due".
+  public static func paceClause(
+    usedPercent: Double,
+    remainingPercent: Double,
+    resetAt: String?,
+    windowMinutes: Int?,
+    status: String = "ok",
+    now: Date
+  ) -> String? {
+    let resetDate = resetAt.flatMap { BarFormatting.isoDate($0) }
+
+    if remainingPercent <= 0 || status == "rejected" {
+      if let countdown = resetCountdown(nextReset: resetAt, now: now) {
+        // resetCountdown returns "resets in 3h 12m"; reuse just the duration.
+        let duration = countdown.replacingOccurrences(of: "resets in ", with: "")
+        return "limit reached, resets in \(duration)"
+      }
+      return "limit reached"
+    }
+
+    // A reset in the past means our window math is unreliable; omit the pace.
+    if let resetDate, resetDate.timeIntervalSince(now) <= 0 { return nil }
+
+    let burn = burnMinutesRemaining(
+      usedPercent: usedPercent, resetAt: resetDate, windowMinutes: windowMinutes, now: now)
+
+    if remainingPercent >= 85 || burn == nil {
+      // nil burn here is either unknown window (handled below) or near-zero use.
+      if windowMinutes == nil || resetDate == nil { return nil }
+      return "plenty at this pace"
+    }
+
+    guard let m = burn else { return nil }
+    if m < 5 {
+      // Floor: anything under 5 minutes is effectively spent; say so plainly.
+      if let countdown = resetCountdown(nextReset: resetAt, now: now) {
+        let duration = countdown.replacingOccurrences(of: "resets in ", with: "")
+        return "limit reached, resets in \(duration)"
+      }
+      return "limit reached"
+    }
+    return "~\(compactDuration(minutes: m)) left at this pace"
+  }
+
+  /// Compact "Hh Mm" / "Mm" duration for pace phrasing (e.g. "2h 5m", "35m").
+  static func compactDuration(minutes: Int) -> String {
+    let h = minutes / 60
+    let m = minutes % 60
+    if h > 0 { return "\(h)h \(m)m" }
+    return "\(m)m"
+  }
+
+  /// Header "most room" leader: among subscription rows that have a binding
+  /// window, the one whose BINDING window has the HIGHEST remaining%. Rows with
+  /// no binding window (error/reauth) are excluded. Tie-breaks alphabetically by
+  /// display name (falling back to provider). Returns nil with fewer than two
+  /// eligible subscriptions (the header is suppressed below that).
+  public static func headroomLeader(_ rows: [BarSummaryRow]) -> (label: String, remainingPercent: Double)? {
+    let eligible: [(label: String, remaining: Double)] = rows.compactMap { row in
+      guard let binding = selectBindingWindow(row.quotaWindows ?? []) else { return nil }
+      let label = row.displayName ?? row.provider
+      return (label, binding.remainingPercent)
+    }
+    guard eligible.count >= 2 else { return nil }
+    let leader = eligible.max { a, b in
+      if a.remaining != b.remaining { return a.remaining < b.remaining }
+      // Highest remaining wins; alphabetical tie-break (smaller name "wins" max
+      // only when remaining is equal, so invert the name comparison).
+      return a.label > b.label
+    }
+    guard let leader else { return nil }
+    return (leader.label, leader.remaining)
+  }
 }
diff --git a/macos-bar/Sources/CCSBarCore/BarSummary.swift b/macos-bar/Sources/CCSBarCore/BarSummary.swift
index a1ae7166..930f06ed 100644
--- a/macos-bar/Sources/CCSBarCore/BarSummary.swift
+++ b/macos-bar/Sources/CCSBarCore/BarSummary.swift
@@ -1,5 +1,43 @@
 import Foundation
 
+/// One quota window for a native subscription row (Claude/Codex).
+///
+/// Carries BOTH `usedPercent` and `remainingPercent` verbatim from the backend
+/// so the bar never re-derives one from the other (a single source of truth
+/// avoids rounding drift between the collapsed glance value and the per-window
+/// pace math). `windowMinutes` is the window length (300 = 5h, 10080 = 7d) used
+/// by the burn-rate projection; nil when the backend could not determine it.
+///
+/// JSON: the parent field serializes to "quota_windows" (snake_case), but the
+/// inner keys stay camelCase to match the live serializer.
+public struct QuotaWindowDetail: Codable, Sendable, Equatable, Identifiable {
+  public let key: String
+  public let label: String
+  public let usedPercent: Double
+  public let remainingPercent: Double
+  public let resetAt: String?
+  public let windowMinutes: Int?
+
+  /// SwiftUI list identity: the window key is unique within a row.
+  public var id: String { key }
+
+  public init(
+    key: String,
+    label: String,
+    usedPercent: Double,
+    remainingPercent: Double,
+    resetAt: String? = nil,
+    windowMinutes: Int? = nil
+  ) {
+    self.key = key
+    self.label = label
+    self.usedPercent = usedPercent
+    self.remainingPercent = remainingPercent
+    self.resetAt = resetAt
+    self.windowMinutes = windowMinutes
+  }
+}
+
 /// One account row in the menu-bar glance.
 ///
 /// Mirrors the `GET /api/bar/summary` payload exactly (mixed snake_case and
@@ -27,6 +65,14 @@ public struct BarSummaryRow: Codable, Sendable, Identifiable, Equatable {
   public let cached: Bool
   public let fetchedAt: String?
   public let needsReauth: Bool
+  /// Native-only per-window quota breakdown (Claude: 5h/week/opus/sonnet,
+  /// Codex: 5h/week). nil for CLIProxy pool rows, which omit "quota_windows"
+  /// entirely — so legacy payloads decode unchanged (backward compatible).
+  public let quotaWindows: [QuotaWindowDetail]?
+  /// Native-only ISO mtime of the source session that supplied a STALE Codex
+  /// reading. Present only when the data is stale; nil otherwise. Drives the
+  /// "as of HH:mm (older session)" footnote without faking a "live" badge.
+  public let staleAsOf: String?
 
   /// Stable identity for SwiftUI lists: provider-scoped account id.
   public var id: String { "\(provider):\(accountId)" }
@@ -47,6 +93,8 @@ public struct BarSummaryRow: Codable, Sendable, Identifiable, Equatable {
     case cached
     case fetchedAt
     case needsReauth
+    case quotaWindows = "quota_windows"
+    case staleAsOf = "stale_as_of"
   }
 
   public init(
@@ -64,7 +112,9 @@ public struct BarSummaryRow: Codable, Sendable, Identifiable, Equatable {
     health: String = "ok",
     cached: Bool = false,
     fetchedAt: String? = nil,
-    needsReauth: Bool = false
+    needsReauth: Bool = false,
+    quotaWindows: [QuotaWindowDetail]? = nil,
+    staleAsOf: String? = nil
   ) {
     self.accountId = accountId
     self.provider = provider
@@ -81,6 +131,33 @@ public struct BarSummaryRow: Codable, Sendable, Identifiable, Equatable {
     self.cached = cached
     self.fetchedAt = fetchedAt
     self.needsReauth = needsReauth
+    self.quotaWindows = quotaWindows
+    self.staleAsOf = staleAsOf
+  }
+
+  /// Resilient decode: the two native-only keys are decoded with
+  /// `decodeIfPresent` so a legacy payload (no "quota_windows"/"stale_as_of")
+  /// yields nil rather than a decode failure. All other keys keep synthesized
+  /// behavior.
+  public init(from decoder: Decoder) throws {
+    let c = try decoder.container(keyedBy: CodingKeys.self)
+    accountId = try c.decode(String.self, forKey: .accountId)
+    provider = try c.decode(String.self, forKey: .provider)
+    displayName = try c.decodeIfPresent(String.self, forKey: .displayName)
+    tier = try c.decodeIfPresent(String.self, forKey: .tier)
+    paused = try c.decode(Bool.self, forKey: .paused)
+    quotaPercentage = try c.decodeIfPresent(Double.self, forKey: .quotaPercentage)
+    quotaStatus = try c.decode(String.self, forKey: .quotaStatus)
+    nextReset = try c.decodeIfPresent(String.self, forKey: .nextReset)
+    isDefault = try c.decode(Bool.self, forKey: .isDefault)
+    lastActivityAt = try c.decodeIfPresent(String.self, forKey: .lastActivityAt)
+    todayCost = try c.decodeIfPresent(Double.self, forKey: .todayCost)
+    health = try c.decode(String.self, forKey: .health)
+    cached = try c.decode(Bool.self, forKey: .cached)
+    fetchedAt = try c.decodeIfPresent(String.self, forKey: .fetchedAt)
+    needsReauth = try c.decode(Bool.self, forKey: .needsReauth)
+    quotaWindows = try c.decodeIfPresent([QuotaWindowDetail].self, forKey: .quotaWindows)
+    staleAsOf = try c.decodeIfPresent(String.self, forKey: .staleAsOf)
   }
 }