diff --git a/apps/hq-web/src/app.css b/apps/hq-web/src/app.css
index 4ab0136..e6dfd22 100644
--- a/apps/hq-web/src/app.css
+++ b/apps/hq-web/src/app.css
@@ -182,3 +182,14 @@ table.wf { display: block; overflow-x: auto; }
 .pulse-open { color: var(--accent-strong); margin-left: auto; font-size: 11.5px; }
 @media (max-width: 900px) { .pulse-grid { display: none; } .pulse-readout { display: none; }
   .pulse::after { content: 'Timeline hidden on small screens.'; color: var(--text-dim); font-size: 12px; } }
+
+/* ================= Settings hub (rail + panels) ================= */
+.set-wrap { display: flex; gap: 24px; }
+.set-rail { flex: 0 0 190px; display: flex; flex-direction: column; gap: 2px; }
+.set-rail button { text-align: left; border: none; background: none; padding: 8px 12px; border-radius: 8px; font: 500 13.5px var(--font); color: var(--text-dim); cursor: pointer; }
+.set-rail button:hover { background: var(--bg-hover); color: var(--text); }
+.set-rail button.active { background: var(--accent-soft); color: var(--accent-strong); font-weight: 600; }
+.set-panel { flex: 1; min-width: 0; max-width: 860px; }
+.set-card { border: 1px solid var(--border); border-radius: var(--radius); padding: 14px 16px; }
+.set-card h3 { margin: 0 0 8px; font-size: 14px; }
+@media (max-width: 900px) { .set-wrap { flex-direction: column; } .set-rail { flex-direction: row; flex-wrap: wrap; } }
diff --git a/apps/hq-web/src/main.tsx b/apps/hq-web/src/main.tsx
index 40ca557..e87f034 100644
--- a/apps/hq-web/src/main.tsx
+++ b/apps/hq-web/src/main.tsx
@@ -12,7 +12,7 @@ import { Clients } from './pages/Clients'
 import { ClientDetail } from './pages/ClientDetail'
 import { Modules } from './pages/Modules'
 import { Reports } from './pages/Reports'
-import { DocumentTemplate } from './pages/DocumentTemplate'
+import { Settings } from './pages/Settings'
 import { NewDocument } from './pages/NewDocument'
 import { DocumentView } from './pages/DocumentView'
 import { Employees } from './pages/Employees'
@@ -34,7 +34,8 @@ function App() {
           <Route path="/clients/:id" element={<ClientDetail />} />
           <Route path="/modules" element={<Modules />} />
           <Route path="/reports" element={<Reports />} />
-          <Route path="/settings/template" element={<DocumentTemplate />} />
+          <Route path="/settings" element={<Settings />} />
+          <Route path="/settings/template" element={<Navigate to="/settings?s=template" replace />} />
           <Route path="/employees" element={<Employees />} />
           <Route path="/profile" element={<Profile />} />
           <Route path="/documents" element={<Documents />} />
diff --git a/apps/hq-web/src/nav.ts b/apps/hq-web/src/nav.ts
index 31fbd59..22cef8f 100644
--- a/apps/hq-web/src/nav.ts
+++ b/apps/hq-web/src/nav.ts
@@ -1,5 +1,5 @@
 import {
-  BarChart3, BellRing, Boxes, FilePlus2, Files, FileText, Filter, LayoutDashboard, UserCog, Users,
+  BarChart3, BellRing, Boxes, FilePlus2, Files, Filter, LayoutDashboard, Settings as SettingsIcon, UserCog, Users,
   type LucideIcon,
 } from 'lucide-react'
 
@@ -29,7 +29,7 @@ export const NAV_GROUPS: NavGroup[] = [
     label: 'Admin',
     items: [
       { to: '/employees', label: 'Employees', icon: UserCog, ownerOnly: true },
-      { to: '/settings/template', label: 'Document Template', icon: FileText, ownerOnly: true },
+      { to: '/settings', label: 'Settings', icon: SettingsIcon },
     ],
   },
 ]
diff --git a/apps/hq-web/src/pages/DocumentTemplate.tsx b/apps/hq-web/src/pages/DocumentTemplate.tsx
index 1d3e0b9..4cb397c 100644
--- a/apps/hq-web/src/pages/DocumentTemplate.tsx
+++ b/apps/hq-web/src/pages/DocumentTemplate.tsx
@@ -1,10 +1,9 @@
 import { useEffect, useMemo, useState } from 'react'
-import { Navigate } from 'react-router-dom'
 import { Button, Field, Notice, PageHeader } from '@sims/ui'
-import { getTemplateSettings, previewSample, putTemplateSettings, role, uploadTemplateLogo } from '../api'
+import { getTemplateSettings, previewSample, putTemplateSettings, uploadTemplateLogo } from '../api'
 import { LivePreview } from '../components/LivePreview'
 
-const COMPANY_FIELDS: { key: string; setting: string; label: string; area: boolean }[] = [
+export const COMPANY_FIELDS: { key: string; setting: string; label: string; area: boolean }[] = [
   { key: 'name', setting: 'company.name', label: 'Company name', area: false },
   { key: 'address', setting: 'company.address', label: 'Address', area: true },
   { key: 'gstin', setting: 'company.gstin', label: 'GSTIN', area: false },
@@ -28,9 +27,10 @@ const DOC_TITLES: { type: string; setting: string; label: string }[] = [
 
 type Dict = Record<string, string>
 
-/** Owner-only: all letterhead text data (company.* + template.*) with a live
- *  letterhead preview beside the form. One fixed layout — not a visual editor. */
-export function DocumentTemplate() {
+/** All letterhead text data (company.* + template.*) with a live letterhead preview
+ *  beside the form. One fixed layout — not a visual editor. Owner gating lives in
+ *  the Settings rail that hosts this panel, not here. */
+export function TemplatePanel() {
   const [company, setCompany] = useState<Dict>({})
   const [template, setTemplate] = useState<Dict>({})
   const [titles, setTitles] = useState<Dict>({})
@@ -51,8 +51,6 @@ export function DocumentTemplate() {
   const previewBody = useMemo(() => JSON.stringify({ company, template, titles }), [company, template, titles])
   const commit = () => setCommitNonce((n) => n + 1)
 
-  if (role() !== 'owner') return <Navigate to="/" replace />
-
   const save = () => {
     setSaving(true); setMsg(undefined)
     putTemplateSettings({ company, template, titles })
@@ -122,3 +120,9 @@ export function DocumentTemplate() {
     </div>
   )
 }
+
+/** Compat wrapper — the page shell now lives in Settings; kept so a stray import
+ *  of the old page-level name still resolves. */
+export function DocumentTemplate() {
+  return <TemplatePanel />
+}
diff --git a/apps/hq-web/src/pages/Settings.tsx b/apps/hq-web/src/pages/Settings.tsx
new file mode 100644
index 0000000..4b22c3a
--- /dev/null
+++ b/apps/hq-web/src/pages/Settings.tsx
@@ -0,0 +1,386 @@
+import { useEffect, useState } from 'react'
+import { useSearchParams } from 'react-router-dom'
+import { formatINR } from '@sims/domain'
+import {
+  Button, DataTable, Dialog, EmptyState, ErrorState, FormField, FormGrid,
+  Notice, PageHeader, Skeleton, ThemeSwitcher, useToast,
+} from '@sims/ui'
+import {
+  createSchedule, getAwsRanking, getCompanyProfile, getEmailStatus, getReminderSettings,
+  getSharingSettings, putCompanyProfile, putReminderSettings, putSharingSettings, role,
+} from '../api'
+import { COMPANY_FIELDS, TemplatePanel } from './DocumentTemplate'
+import { useData } from './Clients'
+
+const inr = (p: number) => formatINR(p, { symbol: false })
+
+type Dict = Record<string, string>
+type SectionKey = 'company' | 'template' | 'reminders' | 'sharing' | 'integrations' | 'appearance'
+
+const SECTIONS: { key: SectionKey; label: string; ownerOnly: boolean }[] = [
+  { key: 'company', label: 'Company', ownerOnly: true },
+  { key: 'template', label: 'Document template', ownerOnly: true },
+  { key: 'reminders', label: 'Reminders', ownerOnly: true },
+  { key: 'sharing', label: 'Sharing', ownerOnly: true },
+  { key: 'integrations', label: 'Integrations', ownerOnly: true },
+  { key: 'appearance', label: 'Appearance', ownerOnly: false },
+]
+
+/**
+ * One console-wide settings hub — company identity, letterhead template, reminder
+ * cadences, sharing defaults, integration status, and appearance. Pinterest left
+ * rail; deep-links via `?s=`. Every section but Appearance is owner-only (the
+ * rail itself hides gated sections, so staff/manager land on Appearance and can
+ * never navigate past it, even by typing a `?s=` value directly).
+ */
+export function Settings() {
+  const [sp, setSp] = useSearchParams()
+  const isOwner = role() === 'owner'
+  const visible = SECTIONS.filter((s) => !s.ownerOnly || isOwner)
+  const requested = sp.get('s')
+  const active = visible.find((s) => s.key === requested)?.key ?? visible[0]!.key
+
+  return (
+    <div className="wf-page">
+      <PageHeader
+        title="Settings"
+        desc="Company identity, the letterhead template, reminder cadences, sharing defaults, integrations, and appearance."
+      />
+      <div className="set-wrap">
+        <aside className="set-rail">
+          {visible.map((s) => (
+            <button
+              key={s.key}
+              type="button"
+              className={s.key === active ? 'active' : undefined}
+              onClick={() => setSp({ s: s.key })}
+            >
+              {s.label}
+            </button>
+          ))}
+        </aside>
+        <div className="set-panel">
+          {active === 'company' && <CompanyPanel />}
+          {active === 'template' && <TemplatePanel />}
+          {active === 'reminders' && <RemindersPanel />}
+          {active === 'sharing' && <SharingPanel />}
+          {active === 'integrations' && <IntegrationsPanel />}
+          {active === 'appearance' && <AppearancePanel />}
+        </div>
+      </div>
+    </div>
+  )
+}
+
+/** Company identity — same field list as the letterhead template's Company section
+ *  (`COMPANY_FIELDS`, imported so the two never drift apart). */
+function CompanyPanel() {
+  const toast = useToast()
+  const [company, setCompany] = useState<Dict>({})
+  const [loaded, setLoaded] = useState(false)
+  const [saving, setSaving] = useState(false)
+
+  useEffect(() => {
+    getCompanyProfile()
+      .then((s) => {
+        setCompany(Object.fromEntries(COMPANY_FIELDS.map((x) => [x.key, s[x.setting] ?? ''])))
+        setLoaded(true)
+      })
+      .catch((e: Error) => toast.err(e.message))
+    // eslint-disable-next-line react-hooks/exhaustive-deps
+  }, [])
+
+  const save = () => {
+    setSaving(true)
+    putCompanyProfile(company)
+      .then((s) => {
+        setCompany(Object.fromEntries(COMPANY_FIELDS.map((x) => [x.key, s[x.setting] ?? ''])))
+        toast.ok('Company profile saved.')
+      })
+      .catch((e: Error) => toast.err(e.message))
+      .finally(() => setSaving(false))
+  }
+
+  return (
+    <div>
+      <h2>Company</h2>
+      <p className="wf-page-desc">Printed on every quotation, proforma, invoice and credit note.</p>
+      {!loaded ? <Skeleton rows={4} /> : (
+        <>
+          <FormGrid>
+            {COMPANY_FIELDS.map((x) => (
+              <FormField key={x.key} label={x.label} wide={x.area}>
+                {x.area
+                  ? <textarea className="wf" rows={2} value={company[x.key] ?? ''} onChange={(e) => setCompany((p) => ({ ...p, [x.key]: e.target.value }))} />
+                  : <input className="wf" value={company[x.key] ?? ''} onChange={(e) => setCompany((p) => ({ ...p, [x.key]: e.target.value }))} />}
+              </FormField>
+            ))}
+          </FormGrid>
+          <div style={{ marginTop: 14 }}>
+            <Button pill tone="primary" onClick={save}>{saving ? 'Saving…' : 'Save'}</Button>
+          </div>
+        </>
+      )}
+    </div>
+  )
+}
+
+const RULE_KINDS: { value: string; label: string }[] = [
+  { value: 'quote_followup', label: 'Quote follow-up' },
+  { value: 'invoice_overdue', label: 'Invoice overdue' },
+]
+
+/** Overdue/renewal day thresholds plus the dated cadence rows that drive follow-up
+ *  timing and message text (rule 3 — a cadence change is a new dated row, never an
+ *  edit of an existing one). */
+function RemindersPanel() {
+  const toast = useToast()
+  const { data, error, reload } = useData(getReminderSettings, [])
+  const [overdueDays, setOverdueDays] = useState('')
+  const [renewalDays, setRenewalDays] = useState('')
+  const [saving, setSaving] = useState(false)
+  const [dialogOpen, setDialogOpen] = useState(false)
+
+  useEffect(() => {
+    if (data === undefined) return
+    setOverdueDays(String(data.overdueDays))
+    setRenewalDays(String(data.renewalDays))
+  }, [data])
+
+  const save = () => {
+    const o = Number(overdueDays)
+    const r = Number(renewalDays)
+    if (!Number.isInteger(o) || o < 1 || !Number.isInteger(r) || r < 1) {
+      toast.err('Overdue days and renewal days must both be positive integers')
+      return
+    }
+    setSaving(true)
+    putReminderSettings({ overdueDays: o, renewalDays: r })
+      .then(() => { toast.ok('Reminder thresholds saved.'); reload() })
+      .catch((e: Error) => toast.err(e.message))
+      .finally(() => setSaving(false))
+  }
+
+  return (
+    <div>
+      <h2>Reminders</h2>
+      <p className="wf-page-desc">
+        Days-overdue and days-before-renewal thresholds, plus the dated follow-up cadences the reminder engine resolves by business date.
+      </p>
+      {error !== undefined ? <ErrorState message={error} onRetry={reload} />
+        : data === undefined ? <Skeleton rows={4} /> : (
+        <>
+          <FormGrid>
+            <FormField label="Overdue after (days)">
+              <input className="wf" type="number" min={1} value={overdueDays} onChange={(e) => setOverdueDays(e.target.value)} />
+            </FormField>
+            <FormField label="Renewal reminder (days before)">
+              <input className="wf" type="number" min={1} value={renewalDays} onChange={(e) => setRenewalDays(e.target.value)} />
+            </FormField>
+          </FormGrid>
+          <div style={{ margin: '14px 0 22px' }}>
+            <Button pill tone="primary" onClick={save}>{saving ? 'Saving…' : 'Save'}</Button>
+          </div>
+
+          <h3>Dated cadences</h3>
+          {data.schedules.length === 0 ? <EmptyState>No dated schedule rows yet — the built-in defaults apply.</EmptyState> : (
+            <DataTable
+              columns={[
+                { key: 'rule', label: 'Rule' }, { key: 'from', label: 'From' }, { key: 'to', label: 'To' },
+                { key: 'offsets', label: 'Day offsets', mono: true }, { key: 'subject', label: 'Subject' },
+              ]}
+              rows={data.schedules.map((s) => ({
+                rule: s.ruleKind, from: s.effectiveFrom, to: s.effectiveTo ?? '—',
+                offsets: s.dayOffsets, subject: s.subject ?? '—',
+              }))}
+            />
+          )}
+          <p style={{ fontSize: 12, color: 'var(--text-dim)', margin: '10px 0' }}>
+            Rows are never edited — a cadence change is a new dated row.
+          </p>
+          <Button onClick={() => setDialogOpen(true)}>+ New dated row</Button>
+        </>
+      )}
+      <NewScheduleDialog open={dialogOpen} onClose={() => setDialogOpen(false)} onDone={reload} />
+    </div>
+  )
+}
+
+function NewScheduleDialog(props: { open: boolean; onClose: () => void; onDone: () => void }) {
+  const toast = useToast()
+  const [ruleKind, setRuleKind] = useState(RULE_KINDS[0]!.value)
+  const [effectiveFrom, setEffectiveFrom] = useState('')
+  const [dayOffsets, setDayOffsets] = useState('')
+  const [subject, setSubject] = useState('')
+  const [body, setBody] = useState('')
+  const [error, setError] = useState<string | undefined>()
+  const [saving, setSaving] = useState(false)
+
+  useEffect(() => {
+    if (!props.open) return
+    setRuleKind(RULE_KINDS[0]!.value); setEffectiveFrom(''); setDayOffsets('')
+    setSubject(''); setBody(''); setError(undefined)
+  }, [props.open])
+
+  const close = () => { if (!saving) props.onClose() }
+  const save = () => {
+    if (effectiveFrom === '' || dayOffsets.trim() === '') {
+      setError('Effective date and day offsets are required')
+      return
+    }
+    setError(undefined)
+    setSaving(true)
+    createSchedule({
+      ruleKind, effectiveFrom, dayOffsets: dayOffsets.trim(),
+      ...(subject.trim() !== '' ? { subject: subject.trim() } : {}),
+      ...(body.trim() !== '' ? { body: body.trim() } : {}),
+    })
+      .then(() => { toast.ok('Schedule row created.'); props.onDone(); props.onClose() })
+      .catch((e: Error) => setError(e.message))
+      .finally(() => setSaving(false))
+  }
+
+  return (
+    <Dialog
+      open={props.open}
+      onClose={close}
+      title="New dated cadence row"
+      footer={(
+        <>
+          <Button pill onClick={close}>Cancel</Button>
+          <Button pill tone="primary" onClick={save}>{saving ? 'Saving…' : 'Create'}</Button>
+        </>
+      )}
+    >
+      <FormGrid>
+        <FormField label="Rule">
+          <select className="wf" value={ruleKind} onChange={(e) => setRuleKind(e.target.value)}>
+            {RULE_KINDS.map((k) => <option key={k.value} value={k.value}>{k.label}</option>)}
+          </select>
+        </FormField>
+        <FormField label="Effective from">
+          <input className="wf" type="date" value={effectiveFrom} onChange={(e) => setEffectiveFrom(e.target.value)} />
+        </FormField>
+        <FormField label="Day offsets" wide>
+          <input className="wf" placeholder="3,7,14" value={dayOffsets} onChange={(e) => setDayOffsets(e.target.value)} />
+        </FormField>
+        <FormField label="Subject (optional — falls back to the built-in default)" wide>
+          <input className="wf" value={subject} onChange={(e) => setSubject(e.target.value)} />
+        </FormField>
+        <FormField label="Body (optional — falls back to the built-in default)" wide>
+          <textarea className="wf" rows={3} value={body} onChange={(e) => setBody(e.target.value)} />
+        </FormField>
+      </FormGrid>
+      {error !== undefined && <Notice tone="err">{error}</Notice>}
+    </Dialog>
+  )
+}
+
+/** Default expiry for newly minted public share links — a fixed day count or never. */
+function SharingPanel() {
+  const toast = useToast()
+  const { data, error, reload } = useData(getSharingSettings, [])
+  const [mode, setMode] = useState<'days' | 'never'>('days')
+  const [days, setDays] = useState('30')
+  const [saving, setSaving] = useState(false)
+
+  useEffect(() => {
+    if (data === undefined) return
+    if (data.defaultExpiryDays === null) setMode('never')
+    else { setMode('days'); setDays(String(data.defaultExpiryDays)) }
+  }, [data])
+
+  const save = () => {
+    let n: number | null = null
+    if (mode === 'days') {
+      n = Number(days)
+      if (!Number.isInteger(n) || n < 1) { toast.err('Days must be a positive integer'); return }
+    }
+    setSaving(true)
+    putSharingSettings(n)
+      .then(() => { toast.ok('Sharing default saved.'); reload() })
+      .catch((e: Error) => toast.err(e.message))
+      .finally(() => setSaving(false))
+  }
+
+  return (
+    <div>
+      <h2>Sharing</h2>
+      <p className="wf-page-desc">Default expiry applied to new public document share links.</p>
+      {error !== undefined ? <ErrorState message={error} onRetry={reload} />
+        : data === undefined ? <Skeleton rows={2} /> : (
+        <>
+          <div style={{ display: 'flex', flexDirection: 'column', gap: 10, margin: '10px 0 16px' }}>
+            <label style={{ display: 'flex', alignItems: 'center', gap: 8 }}>
+              <input type="radio" name="share-expiry" checked={mode === 'days'} onChange={() => setMode('days')} />
+              Expire after
+              <input
+                className="wf" type="number" min={1} style={{ width: 70 }}
+                value={days} disabled={mode !== 'days'} onChange={(e) => setDays(e.target.value)}
+              />
+              days
+            </label>
+            <label style={{ display: 'flex', alignItems: 'center', gap: 8 }}>
+              <input type="radio" name="share-expiry" checked={mode === 'never'} onChange={() => setMode('never')} />
+              Never expires
+            </label>
+          </div>
+          <Button pill tone="primary" onClick={save}>{saving ? 'Saving…' : 'Save'}</Button>
+        </>
+      )}
+    </div>
+  )
+}
+
+/** Gmail send health and the AWS cost-pull status — read-only, links to the fix
+ *  (server-side `gmail-connect` for the former, the Reports AWS tab for the latter). */
+function IntegrationsPanel() {
+  const email = useData(getEmailStatus, [])
+  const aws = useData(() => getAwsRanking(), [])
+  const emailOk = email.data !== undefined && email.data.connected && !email.data.dead
+
+  return (
+    <div>
+      <h2>Integrations</h2>
+      <div style={{ display: 'flex', flexDirection: 'column', gap: 14, marginTop: 10 }}>
+        <div className="set-card">
+          <h3>Gmail</h3>
+          {email.data === undefined ? <Skeleton rows={1} /> : (
+            <>
+              <span className={`hq-pill${emailOk ? ' ok' : ' warn'}`}>
+                <span className={`hq-dot${emailOk ? ' ok' : ' warn'}`} />
+                {emailOk ? `Connected${email.data.address !== undefined ? ` — ${email.data.address}` : ''}` : 'Disconnected'}
+              </span>
+              {!emailOk && (
+                <p style={{ fontSize: 12.5, color: 'var(--text-dim)', margin: '8px 0 0' }}>
+                  Run gmail-connect on the server to reconnect. Sends queue to manual until then.
+                </p>
+              )}
+            </>
+          )}
+        </div>
+        <div className="set-card">
+          <h3>AWS cost recovery</h3>
+          {aws.data === undefined ? <Skeleton rows={1} />
+            : aws.data.rows.length === 0 ? <EmptyState>No AWS cost recorded yet.</EmptyState>
+            : <p style={{ margin: 0 }}>Last pull month {aws.data.month} · ₹{inr(aws.data.total)}</p>}
+        </div>
+      </div>
+    </div>
+  )
+}
+
+/** Mode + accent — reuses the existing `<ThemeSwitcher>` wholesale so the swatch
+ *  colours live in exactly one place (`packages/ui/src/ThemeSwitcher.tsx`). The
+ *  only section visible to every role: it is per-browser, not per-tenant config. */
+function AppearancePanel() {
+  return (
+    <div>
+      <h2>Appearance</h2>
+      <p className="wf-page-desc">
+        Mode and accent are stored in this browser only — every signed-in user picks their own.
+      </p>
+      <ThemeSwitcher />
+    </div>
+  )
+}
diff --git a/apps/hq/src/templates.ts b/apps/hq/src/templates.ts
index f2d48c9..da155bc 100644
--- a/apps/hq/src/templates.ts
+++ b/apps/hq/src/templates.ts
@@ -32,6 +32,32 @@ function displayDate(iso: string): string {
   return `${d ?? ''}/${m ?? ''}/${y ?? ''}`
 }
 
+/**
+ * WS-H (D18): quotations print one titled SECTION per module — proposal paper,
+ * not a billing grid. Each section carries the module's name, its "what's
+ * included" block and its price; sections never split across pages and, in
+ * print, every module after the first starts on a fresh page. Totals, terms
+ * and signature follow unchanged. All other doc types keep the compact table.
+ */
+function quotationSections(doc: Doc): string {
+  const summary = doc.payload.lines.map((l) => esc(l.name)).join(' · ')
+  const sections = doc.payload.lines.map((l, i) => {
+    const contents = doc.payload.lineContents?.[i] ?? []
+    return `<section class="qsection${i > 0 ? ' qbreak' : ''}">
+    <h3 class="qtitle"><span class="qnum">${i + 1}.</span>${esc(l.name)}</h3>
+    ${contents.length > 0
+      ? `<div class="eyebrow">What&#39;s included</div><ul class="line-content">${contents.map((c) => `<li>${esc(c)}</li>`).join('')}</ul>`
+      : ''}
+    <table class="qpricing"><tr>
+      <td>SAC ${esc(l.hsn)}</td>
+      <td class="r">${l.qty} ${esc(l.unitCode)} × ${formatINR(l.unitPricePaise)}</td>
+      <td class="r qamt">${formatINR(l.taxablePaise)}</td>
+    </tr></table>
+  </section>`
+  }).join('\n')
+  return `<p class="qsummary">This proposal covers: <strong>${summary}</strong></p>\n${sections}`
+}
+
 function lineRow(l: BillLine, i: number, contents: string[]): string {
   const bullets = contents.length > 0
     ? `<ul class="line-content">${contents.map((c) => `<li>${esc(c)}</li>`).join('')}</ul>`
@@ -169,6 +195,18 @@ export function documentHtml(doc: Doc, client: Client, company: Record<string, s
   .sign .label{ margin-top:34px; font-weight:600; color:var(--ink-strong); }
   .footer-note{ margin-top:18px; padding-top:8px; border-top:1px solid var(--line); text-align:center; font-size:9px; color:var(--faint); }
 
+  /* Quotation sections (WS-H): one module per titled block, never split mid-page;
+     in print each module after the first opens a fresh page. */
+  .qsummary{ margin:0 0 12px; color:var(--muted); }
+  .qsection{ border:1px solid var(--line); border-radius:2px; padding:10px 12px; margin-bottom:12px; break-inside:avoid; page-break-inside:avoid; }
+  @media print { .qbreak{ break-before:page; page-break-before:always; } }
+  .qtitle{ font-size:12.5px; margin:0 0 6px; color:var(--ink-strong); }
+  .qnum{ display:inline-block; min-width:16px; margin-right:6px; color:var(--accent); }
+  table.qpricing{ width:100%; border-collapse:collapse; margin-top:8px; border-top:1px solid var(--line); }
+  table.qpricing td{ padding:6px 0 0; color:var(--muted); }
+  table.qpricing td.r{ text-align:right; font-variant-numeric:tabular-nums; }
+  table.qpricing td.qamt{ font-weight:700; color:var(--ink-strong); }
+
   /* OPTIONAL draft watermark (only un-issued) */
   .watermark{ position:fixed; top:50%; left:50%; transform:translate(-50%,-50%) rotate(-24deg); font-size:120px; font-weight:800; letter-spacing:8px; color:var(--accent); opacity:.05; z-index:-1; pointer-events:none; }
 </style>
@@ -204,7 +242,7 @@ export function documentHtml(doc: Doc, client: Client, company: Record<string, s
     </div>
   </section>
 
-  <table class="lines">
+  ${doc.docType === 'QUOTATION' ? quotationSections(doc) : `<table class="lines">
     <thead>
       <tr>
         <th class="c">#</th><th>Description</th><th class="c">SAC</th><th class="r">Qty</th>
@@ -214,7 +252,7 @@ export function documentHtml(doc: Doc, client: Client, company: Record<string, s
     <tbody>
       ${doc.payload.lines.map((l, i) => lineRow(l, i, doc.payload.lineContents?.[i] ?? [])).join('\n')}
     </tbody>
-  </table>
+  </table>`}
 
   <div class="bottom">
     <div class="words">
diff --git a/apps/hq/test/templates.test.ts b/apps/hq/test/templates.test.ts
index bd4f450..feadf4b 100644
--- a/apps/hq/test/templates.test.ts
+++ b/apps/hq/test/templates.test.ts
@@ -52,3 +52,43 @@ describe('rupees in words', () => {
     expect(rupeesInWords(50)).toBe('Fifty Paise Only')
   })
 })
+
+describe('quotation sections (D18 WS-H)', () => {
+  const line = (n: number) => ({
+    itemId: `m${n}`, name: `Module ${n}`, hsn: '998313', qty: 1, unitCode: 'NOS',
+    unitPricePaise: 1_000_00, grossPaise: 1_000_00, discountPaise: 0, taxablePaise: 1_000_00,
+    taxRateBp: 1800, cgstPaise: 90_00, sgstPaise: 90_00, igstPaise: 0, cessPaise: 0,
+    lineTotalPaise: 1_180_00,
+  })
+  const fiveModuleQuote = {
+    ...(doc as object), docType: 'QUOTATION', docNo: 'QT/26-27-0002',
+    payload: {
+      lines: [1, 2, 3, 4, 5].map(line),
+      totals: {},
+      lineContents: [['Core ledgers', 'Day-end'], ['RTGS/NEFT'], [], ['App for members'], ['SMS 50k pack']],
+    },
+  } as never
+
+  it('a 5-module quotation renders 5 titled sections, the summary line, and NO billing grid', () => {
+    const html = documentHtml(fiveModuleQuote, client, company)
+    expect(html.match(/class="qsection/g)).toHaveLength(5)
+    expect(html.match(/class="qsection qbreak/g)).toHaveLength(4) // fresh page from the 2nd on (print)
+    expect(html).toContain('This proposal covers:')
+    expect(html).toContain('Module 1')
+    expect(html).toContain('Core ledgers')      // per-module contents land in their section
+    expect(html).toContain('SMS 50k pack')
+    expect(html).not.toContain('<table class="lines">') // proposals are not billing grids
+    expect(html).toContain('Grand Total')        // totals block still follows
+  })
+
+  it('a module without content prints a tight section (no empty included-block)', () => {
+    const html = documentHtml(fiveModuleQuote, client, company)
+    expect(html.match(/What&#39;s included/g)).toHaveLength(4) // section 3 has no contents
+  })
+
+  it('INVOICE keeps the compact billing grid — layout untouched by WS-H', () => {
+    const html = documentHtml(doc, client, company)
+    expect(html).toContain('<table class="lines">')
+    expect(html).not.toContain('class="qsection')
+  })
+})