diff --git a/src/quartermaster/templates/index.html b/src/quartermaster/templates/index.html
index 04e85e4..d2b1da3 100644
--- a/src/quartermaster/templates/index.html
+++ b/src/quartermaster/templates/index.html
@@ -1,10 +1,9 @@
 {% extends "base.html" %}
 {% block content %}
-<div class="budget">
-  <nav class="month-nav budget-nav">
-    <span class="month-label">Budget configuration</span>
-    <span class="spacer"></span>
-    <a class="nav-link" href="/month/{{ current_year_month }}">This month ({{ current_year_month }})</a>
+<div class="page">
+  <nav class="budget-nav">
+    <span class="month-label">Budget <span class="year">MMXXVI</span></span>
+    <a class="nav-link" href="/month/{{ current_year_month }}">This month ({{ current_year_month }}) &rarr;</a>
     {% if all_months %}
       <select
         class="month-picker"
@@ -18,13 +17,15 @@
       </select>
     {% endif %}
   </nav>
+
   {% include "partials/budget_zero.html" %}
+
   {% for g in groups %}
     <details class="group" id="group-{{ g.group.value }}"{% if g.default_open %} open{% endif %}>
-      <summary class="group-header">
+      <summary>
         <span class="chevron" aria-hidden="true"></span>
         <span class="group-name">{{ g.label }}</span>
-        <span class="group-total" id="group-total-{{ g.group.value }}">${{ '%.2f' | format(g.total) }}</span>
+        <span class="group-total" id="group-total-{{ g.group.value }}">${{ '{:,.2f}'.format(g.total) }}</span>
       </summary>
       {% for section in g.sections %}
         {% include "partials/section.html" %}
@@ -34,5 +35,10 @@
       {% endfor %}
     </details>
   {% endfor %}
+
+  <footer class="colophon">
+    the art of giving every dollar a job
+    <div class="signoff">Quartermaster</div>
+  </footer>
 </div>
 {% endblock %}
diff --git a/src/quartermaster/templates/month.html b/src/quartermaster/templates/month.html
index b4d5c8e..a66ec38 100644
--- a/src/quartermaster/templates/month.html
+++ b/src/quartermaster/templates/month.html
@@ -1,17 +1,22 @@
 {% extends "base.html" %}
 {% block content %}
-<div class="budget">
+<div class="page">
   {% include "partials/month_nav.html" %}
+  <div class="back-link-row">
+    <a class="back-link" href="/">Back to Budget &rsaquo;</a>
+  </div>
+
   {% include "partials/month_zero.html" %}
+
   {% for g in groups %}
     <details class="group" id="group-{{ g.group.value }}"{% if g.default_open %} open{% endif %}>
-      <summary class="group-header">
+      <summary>
         <span class="chevron" aria-hidden="true"></span>
         <span class="group-name">{{ g.label }}</span>
         <span class="group-total" id="group-total-{{ g.group.value }}">
-          <span class="applied">${{ '%.2f' | format(g.total_applied) }}</span>
+          <span class="applied">${{ '{:,.2f}'.format(g.total_applied) }}</span>
           <span class="divider">/</span>
-          <span class="planned">${{ '%.2f' | format(g.total_planned) }}</span>
+          <span class="planned">${{ '{:,.2f}'.format(g.total_planned) }}</span>
         </span>
       </summary>
       {% for section in g.sections %}
@@ -22,5 +27,10 @@
       {% endfor %}
     </details>
   {% endfor %}
+
+  <footer class="colophon">
+    the art of giving every dollar a job
+    <div class="signoff">Quartermaster &middot; {{ year_month }}</div>
+  </footer>
 </div>
 {% endblock %}
diff --git a/src/quartermaster/templates/month_create.html b/src/quartermaster/templates/month_create.html
index 5262a8a..b68db7d 100644
--- a/src/quartermaster/templates/month_create.html
+++ b/src/quartermaster/templates/month_create.html
@@ -1,15 +1,17 @@
 {% extends "base.html" %}
 {% block content %}
-<div class="budget">
+<div class="page">
   {% include "partials/month_nav.html" %}
-  <section class="section month-missing">
-    <div class="section-header">
-      <h2>No snapshot yet</h2>
-    </div>
+  <div class="back-link-row">
+    <a class="back-link" href="/">Back to Budget &rsaquo;</a>
+  </div>
+
+  <section class="month-missing">
+    <h2>No snapshot yet</h2>
     <p class="month-missing-body">
       This month has not been created. Creating it will snapshot the current
-      budget: every entry, its planned amount, and the current Primary Debt
-      Target. Applied amounts start at $0.00.
+      budget: every entry, its planned amount, notes, and the current Primary
+      Debt Target. Applied amounts start at $0.00.
     </p>
     <form
       hx-post="/month/{{ year_month }}/create"
@@ -19,5 +21,10 @@
       <button type="submit">Create {{ year_month }}</button>
     </form>
   </section>
+
+  <footer class="colophon">
+    the art of giving every dollar a job
+    <div class="signoff">Quartermaster</div>
+  </footer>
 </div>
 {% endblock %}
diff --git a/src/quartermaster/templates/partials/budget_zero.html b/src/quartermaster/templates/partials/budget_zero.html
index d7958a4..7fcf58c 100644
--- a/src/quartermaster/templates/partials/budget_zero.html
+++ b/src/quartermaster/templates/partials/budget_zero.html
@@ -1,4 +1,22 @@
 <section class="zero-widget" id="zero-widget" hx-swap-oob="outerHTML">
-  <div class="zero-label">Zero Amount</div>
-  <div class="zero-value tone-{{ tone }}">${{ '%.2f' | format(zero) }}</div>
+  <div class="zero-brand">
+    <img src="{{ url_for('static', path='brand/logo-full.png') }}" alt="Quartermaster">
+  </div>
+  <div class="zero-side left">
+    <div class="zero-sublabel">Budget balance</div>
+    <div class="zero-subvalue">{% if zero >= 0 %}unassigned{% else %}over-allocated{% endif %}</div>
+  </div>
+  <div class="zero-center">
+    <p class="zero-label">Zero Amount</p>
+    <h2 class="zero-value tone-{{ tone }}">
+      <span class="dollar">$</span>{{ '{:,.2f}'.format(zero).split('.')[0] }}<span class="cent">.{{ '{:,.2f}'.format(zero).split('.')[1] }}</span>
+    </h2>
+    <p class="zero-caption">
+      {% if tone == 'zero' %}every dollar has a home{% elif tone == 'positive' %}unassigned income remains{% else %}over-allocated, plan exceeds income{% endif %}
+    </p>
+  </div>
+  <div class="zero-side right">
+    <div class="zero-sublabel">Planning for</div>
+    <div class="zero-subvalue">{{ current_year_month }}</div>
+  </div>
 </section>
diff --git a/src/quartermaster/templates/partials/month_nav.html b/src/quartermaster/templates/partials/month_nav.html
index bb60abc..14cbfe8 100644
--- a/src/quartermaster/templates/partials/month_nav.html
+++ b/src/quartermaster/templates/partials/month_nav.html
@@ -1,24 +1,27 @@
-<nav class="month-nav">
-  <a class="nav-link" href="/month/{{ prev_year_month }}" aria-label="Previous month">&larr; {{ prev_year_month }}</a>
-  <span class="month-label">{{ year_month }}</span>
-  <a class="nav-link" href="/month/{{ next_year_month }}" aria-label="Next month">{{ next_year_month }} &rarr;</a>
+<nav class="month-line">
+  <a class="nav-month prev" href="/month/{{ prev_year_month }}" aria-label="Previous month">
+    <span class="chev">&larr;</span> <em>{{ pretty_prev or prev_year_month }}</em>
+  </a>
+  <h2 class="month-title">{{ pretty_year_month or year_month }}</h2>
+  <a class="nav-month next" href="/month/{{ next_year_month }}" aria-label="Next month">
+    <em>{{ pretty_next or next_year_month }}</em> <span class="chev">&rarr;</span>
+  </a>
   {% if state %}
     <span class="state-badge state-{{ state }}">
-      {% if state == 'closed' and month.closed_at %}
+      {% if state == 'closed' and month and month.closed_at %}
         Closed {{ month.closed_at.strftime('%Y-%m-%d') }}
       {% else %}
-        {{ state | capitalize }}
+        {{ state }}
       {% endif %}
     </span>
     {% if state == 'planning' %}
       <form class="lifecycle-form" hx-post="/month/{{ year_month }}/activate" hx-swap="none">
-        <button type="submit" class="primary">Activate</button>
+        <button type="submit">Activate</button>
       </form>
     {% elif state == 'active' %}
       <form class="lifecycle-form" hx-post="/month/{{ year_month }}/close" hx-swap="none">
         <button
           type="submit"
-          class="primary"
           {% if not can_close %}disabled title="Applied balance must equal $0.00 to close"{% endif %}
         >Close</button>
       </form>
@@ -27,13 +30,16 @@
         <button type="submit" class="secondary">Reopen</button>
       </form>
     {% endif %}
+  {% else %}
+    <span></span>
+    <span></span>
   {% endif %}
-  <span class="spacer"></span>
-  {% if all_months %}
+  {% if all_months and all_months|length > 1 %}
     <select
       class="month-picker"
       onchange="if(this.value){window.location=this.value}"
       aria-label="Jump to month"
+      style="grid-column: 1 / -1; justify-self: end; margin-top: 0.3rem;"
     >
       <option value="">Jump to...</option>
       {% for m in all_months %}
@@ -44,5 +50,4 @@
       {% endfor %}
     </select>
   {% endif %}
-  <a class="nav-link" href="/">Budget config</a>
 </nav>
diff --git a/src/quartermaster/templates/partials/month_zero.html b/src/quartermaster/templates/partials/month_zero.html
index f991c82..90e609a 100644
--- a/src/quartermaster/templates/partials/month_zero.html
+++ b/src/quartermaster/templates/partials/month_zero.html
@@ -1,13 +1,22 @@
-<section class="zero-widget zero-widget-pair" id="zero-widget" hx-swap-oob="outerHTML">
-  <div class="zero-label">Zero Amount</div>
-  <div class="zero-values">
-    <div class="zero-cell">
-      <div class="zero-sublabel">Planned</div>
-      <div class="zero-value tone-{{ planned_tone }}">${{ '%.2f' | format(zero.planned) }}</div>
-    </div>
-    <div class="zero-cell">
-      <div class="zero-sublabel">Applied</div>
-      <div class="zero-value tone-{{ applied_tone }}">${{ '%.2f' | format(zero.applied) }}</div>
-    </div>
+<section class="zero-widget" id="zero-widget" hx-swap-oob="outerHTML">
+  <div class="zero-brand">
+    <img src="{{ url_for('static', path='brand/logo-full.png') }}" alt="Quartermaster">
+  </div>
+  <div class="zero-side left">
+    <div class="zero-sublabel">Applied</div>
+    <div class="zero-subvalue">${{ '{:,.2f}'.format(zero.applied).split('.')[0] }}<span class="cent">.{{ '{:,.2f}'.format(zero.applied).split('.')[1] }}</span></div>
+  </div>
+  <div class="zero-center">
+    <p class="zero-label">Zero Amount</p>
+    <h2 class="zero-value tone-{{ applied_tone }}">
+      <span class="dollar">$</span>{{ '{:,.2f}'.format(zero.applied).split('.')[0] }}<span class="cent">.{{ '{:,.2f}'.format(zero.applied).split('.')[1] }}</span>
+    </h2>
+    <p class="zero-caption">
+      {% if applied_tone == 'zero' %}the month balances{% elif applied_tone == 'positive' %}unassigned income remains{% else %}applied exceeds income{% endif %}
+    </p>
+  </div>
+  <div class="zero-side right">
+    <div class="zero-sublabel">Planned</div>
+    <div class="zero-subvalue">${{ '{:,.2f}'.format(zero.planned).split('.')[0] }}<span class="cent">.{{ '{:,.2f}'.format(zero.planned).split('.')[1] }}</span></div>
   </div>
 </section>
diff --git a/src/quartermaster/templates/partials/section.html b/src/quartermaster/templates/partials/section.html
index 8abe715..f39fda4 100644
--- a/src/quartermaster/templates/partials/section.html
+++ b/src/quartermaster/templates/partials/section.html
@@ -2,15 +2,16 @@
   <div class="section-header">
     <h2>{{ section.label }}</h2>
     <span class="total" data-testid="total-{{ section.section.value }}">
-      ${{ '%.2f' | format(section.total) }}
+      ${{ '{:,.2f}'.format(section.total) }}
     </span>
   </div>
   <table class="entries">
     <tbody>
       {% for entry in section.entries %}
-        <tr class="entry">
+        <tr class="entry state-unchanged" style="--ratio: 1">
           <td class="entry-name">{{ entry.name }}</td>
-          <td class="entry-amount">${{ '%.2f' | format(entry.amount) }}</td>
+          <td class="entry-amount">${{ '{:,.2f}'.format(entry.amount) }}</td>
+          <td class="entry-amount"></td>
           <td class="entry-actions">
             <button
               class="delete"
@@ -23,7 +24,7 @@
           </td>
         </tr>
         <tr class="entry-notes-row">
-          <td colspan="3">
+          <td colspan="4">
             <input
               class="notes-input"
               type="text"
@@ -39,10 +40,10 @@
           </td>
         </tr>
       {% else %}
-        <tr class="empty"><td colspan="3">No entries yet.</td></tr>
+        <tr class="empty"><td colspan="4">No entries yet.</td></tr>
       {% endfor %}
       <tr class="add-row">
-        <td colspan="3">
+        <td colspan="4">
           <form
             class="add-form"
             hx-post="/sections/{{ section.section.value }}/entries"
diff --git a/src/quartermaster/templates/partials/target_card.html b/src/quartermaster/templates/partials/target_card.html
index 66a2628..6f70691 100644
--- a/src/quartermaster/templates/partials/target_card.html
+++ b/src/quartermaster/templates/partials/target_card.html
@@ -2,35 +2,37 @@
   <div class="section-header">
     <h2>Primary Debt Target</h2>
     {% if target.entry %}
-      <span class="total">${{ '%.2f' | format(target.entry.amount) }}</span>
+      <span class="total">${{ '{:,.2f}'.format(target.entry.amount) }}</span>
     {% else %}
       <span class="total empty">$0.00</span>
     {% endif %}
   </div>
   <table class="entries">
     <tbody>
-      <tr class="entry">
+      <tr class="entry" style="--ratio: 1">
         <td class="entry-name">
           {% if target.entry %}{{ target.entry.name }}{% else %}<span class="muted">No target selected.</span>{% endif %}
         </td>
         <td class="entry-amount"></td>
+        <td class="entry-amount"></td>
         <td class="entry-actions"></td>
       </tr>
       <tr class="add-row">
-        <td colspan="3">
+        <td colspan="4">
           <form
             class="target-form"
             hx-post="/debt-target"
             hx-target="#section-debt_target"
             hx-swap="outerHTML"
           >
-            <select name="debt_minimum_id">
+            <label for="debt-target-select">Choose from Debt Minimums</label>
+            <select id="debt-target-select" name="debt_minimum_id">
               <option value="">(none)</option>
               {% for dm in debt_minimums %}
                 <option
                   value="{{ dm.id }}"
                   {% if target.debt_minimum_id == dm.id %}selected{% endif %}
-                >{{ dm.name }}: ${{ '%.2f' | format(dm.amount) }}</option>
+                >{{ dm.name }}: ${{ '{:,.2f}'.format(dm.amount) }}</option>
               {% endfor %}
             </select>
             <button type="submit">Set</button>