diff --git a/luminos_lib/report.py b/luminos_lib/report.py
new file mode 100644
index 0000000..dcd046b
--- /dev/null
+++ b/luminos_lib/report.py
@@ -0,0 +1,86 @@
+"""Report formatting — human-readable terminal output."""
+
+
+def format_report(report, target):
+    """Format the full report as a human-readable string."""
+    sep = "=" * 60
+    lines = []
+
+    lines.append(sep)
+    lines.append(f"  LUMINOS — File System Intelligence Report")
+    lines.append(f"  Target: {target}")
+    lines.append(sep)
+
+    # Directory tree
+    lines.append("")
+    lines.append(">> DIRECTORY TREE")
+    lines.append("-" * 40)
+    lines.append(report.get("tree_rendered", "(unavailable)"))
+
+    # File type summary
+    lines.append("")
+    lines.append(">> FILE TYPE INTELLIGENCE")
+    lines.append("-" * 40)
+    cats = report.get("file_categories", {})
+    if cats:
+        total = sum(cats.values())
+        for cat in sorted(cats, key=cats.get, reverse=True):
+            count = cats[cat]
+            bar = "#" * min(count, 40)
+            lines.append(f"  {cat:<12} {count:>4}  {bar}")
+        lines.append(f"  {'TOTAL':<12} {total:>4}")
+    else:
+        lines.append("  No files found.")
+
+    # Languages & LOC
+    lines.append("")
+    lines.append(">> CODE DETECTION")
+    lines.append("-" * 40)
+    langs = report.get("languages", [])
+    loc = report.get("lines_of_code", {})
+    if langs:
+        lines.append(f"  Languages detected: {', '.join(langs)}")
+        lines.append("")
+        lines.append("  Lines of code:")
+        for lang in sorted(loc, key=loc.get, reverse=True):
+            lines.append(f"    {lang:<20} {loc[lang]:>8} lines")
+        lines.append(f"    {'TOTAL':<20} {sum(loc.values()):>8} lines")
+    else:
+        lines.append("  No source code files detected.")
+
+    large = report.get("large_files", [])
+    if large:
+        lines.append("")
+        lines.append("  Unusually large files:")
+        for f in large:
+            lines.append(f"    ! {f['name']}  ({', '.join(f['reasons'])})")
+
+    # Recency
+    lines.append("")
+    lines.append(">> RECENTLY MODIFIED FILES")
+    lines.append("-" * 40)
+    recent = report.get("recent_files", [])
+    if recent:
+        for i, f in enumerate(recent, 1):
+            lines.append(f"  {i:>2}. {f['modified_human']}  {f['name']}")
+            lines.append(f"      {f['path']}")
+    else:
+        lines.append("  No recent files found.")
+
+    # Disk usage
+    lines.append("")
+    lines.append(">> DISK USAGE — TOP DIRECTORIES")
+    lines.append("-" * 40)
+    top = report.get("top_directories", [])
+    if top:
+        for d in top:
+            lines.append(f"  {d['size_human']:>10}  {d['path']}")
+    else:
+        lines.append("  No usage data available.")
+
+    lines.append("")
+    lines.append(sep)
+    lines.append("  End of report.")
+    lines.append(sep)
+
+    return "\n".join(lines)