From e7853f59f2bb72bff82ef5a60715adcb467aca0f Mon Sep 17 00:00:00 2001
From: Ryan Moon <moonryan2009@gmail.com>
Date: Fri, 27 Mar 2026 20:53:01 -0500
Subject: [PATCH] Add planning docs for trade-ins, returns, tax exemptions,
 cycle counts, POs, bundles, backorders, barcode labels, instrument sizing,
 warranties, maintenance schedules, gift cards, layaway, rental agreements,
 and in-home trials

---
 planning/02_Domain_Accounts_Customers.md |  46 ++++
 planning/03_Domain_Inventory.md          | 325 ++++++++++++++++++++++-
 planning/04_Domain_Rentals.md            | 131 ++++++++-
 planning/06_Domain_Repairs.md            | 122 ++++++++-
 planning/07_Domain_Sales_POS.md          | 253 +++++++++++++++++-
 planning/08_Domain_Payments_Billing.md   | 181 ++++++++++++-
 planning/15_Licensing_Modules_Pricing.md |  36 +++
 planning/22_Audit_Phase2_Review.md       |  40 ++-
 8 files changed, 1107 insertions(+), 27 deletions(-)

diff --git a/planning/02_Domain_Accounts_Customers.md b/planning/02_Domain_Accounts_Customers.md
index 7f9396e..8d4064b 100644
--- a/planning/02_Domain_Accounts_Customers.md
+++ b/planning/02_Domain_Accounts_Customers.md
@@ -101,6 +101,12 @@ enum
 
 consolidated | split
 
+is_active
+
+boolean
+
+Default true — soft delete flag. Financial history must be retained.
+
 notes
 
 text
@@ -125,6 +131,36 @@ timestamptz
 
 When record was imported
 
+tax_exempt_status
+
+enum
+
+none | pending | approved — default "none"
+
+tax_exempt_certificate_number
+
+varchar
+
+State resale certificate or exemption number
+
+tax_exempt_certificate_expiry
+
+date
+
+Nullable — expiration date of certificate
+
+tax_exempt_approved_by
+
+uuid FK
+
+Employee who verified and approved exemption
+
+tax_exempt_approved_at
+
+timestamptz
+
+When exemption was verified
+
 created_at
 
 timestamptz
@@ -217,6 +253,10 @@ created_at
 
 timestamptz
 
+updated_at
+
+timestamptz
+
 
 
 
@@ -377,6 +417,12 @@ timestamptz
 
 - Duplicate account detection on email and phone during creation
 
+- Tax-exempt accounts must have a valid certificate number and expiry date before status can be set to "approved"
+
+- Expired tax exemption certificates revert account to "pending" — staff prompted to collect updated certificate
+
+- Tax exemption status changes logged in audit trail (who approved, when, certificate details)
+
 
 
 # 5. Key Workflows
diff --git a/planning/03_Domain_Inventory.md b/planning/03_Domain_Inventory.md
index 3c4a7e7..7fbc9bf 100644
--- a/planning/03_Domain_Inventory.md
+++ b/planning/03_Domain_Inventory.md
@@ -224,7 +224,19 @@ timestamptz
 
 Individual physical units for serialized items and rental fleet instruments.
 
-id, product_id, company_id, location_id, serial_number,condition (new|excellent|good|fair|poor),status (available|sold|rented|in_repair|retired),purchase_date, purchase_cost, notes,legacy_id, created_at
+id, product_id, company_id, location_id, serial_number,condition (new|excellent|good|fair|poor),status (available|sold|rented|on_trial|in_repair|layaway|lost|retired),purchase_date, purchase_cost, notes,legacy_id, created_at
+
+### Status Values
+
+Status | Description | Set By
+available | In stock, ready for sale or rental | Default, return, restock
+sold | Purchased by customer | Sale transaction
+rented | Out on active rental contract | Rental activation
+on_trial | Out with customer on in-home trial | In-home trial checkout (07_Domain_Sales_POS.md §9)
+in_repair | In repair shop for service | Repair intake
+layaway | Reserved for layaway customer, not available | Layaway creation (08_Domain_Payments_Billing.md §9)
+lost | Unrecovered — trial, rental, or inventory discrepancy | Overdue escalation or cycle count
+retired | Permanently removed from inventory | Manual retirement
 
 
 
@@ -924,4 +936,313 @@ timestamptz
 
 - Parts cost always recorded at time of use — price changes do not affect historical records
 
-- Negative qty_on_hand not permitted — system warns technician when stock is insufficient
\ No newline at end of file
+- Negative qty_on_hand not permitted — system warns technician when stock is insufficient
+
+
+
+# 8. Instrument Sizing
+
+String instruments come in fractional sizes — critical for rentals, school orders, and customer matching. Size is tracked on both the product catalog and individual inventory units.
+
+## 8.1 Size Values
+
+Size | Instruments | Notes
+4/4 (full) | Violin, viola, cello, bass, guitar | Default adult size
+3/4 | Violin, cello, bass, guitar | Older students, smaller adults
+1/2 | Violin, cello, bass | Intermediate students
+1/4 | Violin, cello | Younger students
+1/8 | Violin | Beginner young students
+1/10 | Violin | Smallest common size
+1/16 | Violin | Rare — very young students
+15" | Viola | Measured in inches for viola
+15.5" | Viola | Common intermediate
+16" | Viola | Full-size standard
+16.5" | Viola | Large full-size
+
+## 8.2 Schema Changes
+
+**product** — add column:
+
+Column | Type | Notes
+instrument_size | varchar | Nullable — only set for sized instruments. Free text to support both fractional (1/2) and inch (15.5") formats.
+
+**inventory_unit** — add column:
+
+Column | Type | Notes
+instrument_size | varchar | Nullable — size of this specific physical unit. May differ from product default (e.g. product "Yamaha Model 5 Violin" has units in multiple sizes).
+
+## 8.3 Business Rules
+
+- Size is optional — only relevant for sized instruments (strings, some guitars)
+- Product-level size is the default/catalog size — inventory units can override per-unit
+- Size is searchable and filterable in product lists and POS lookup
+- Rental matching: when a student needs a size, search filters by instrument_size
+- Size changes on rental returns are common (student grew) — logged in rental history
+
+
+
+# 9. Inventory Cycle Counts
+
+Physical inventory reconciliation ensures system counts match actual shelf counts. Cycle counts can be full-store or targeted (by category, location area, or supplier).
+
+## 9.1 count_session
+
+Column | Type | Notes
+id | uuid PK |
+company_id | uuid FK | Tenant scoping
+location_id | uuid FK | Which location is being counted
+name | varchar | e.g. "Q1 2025 Full Count", "Guitar Room Spot Check"
+count_type | enum | full | category | spot
+status | enum | draft | in_progress | review | completed | cancelled
+category_id | uuid FK | Nullable — set if count_type = category
+started_by | uuid FK | Employee who initiated
+started_at | timestamptz | When counting began
+completed_at | timestamptz | When finalized
+notes | text |
+created_at | timestamptz |
+
+## 9.2 count_entry
+
+One row per product counted in a session. For serialized products, one row per unit.
+
+Column | Type | Notes
+id | uuid PK |
+count_session_id | uuid FK |
+product_id | uuid FK |
+inventory_unit_id | uuid FK | Nullable — set for serialized items
+expected_qty | integer | System qty at time count started
+counted_qty | integer | Physical count entered by staff
+variance | integer | counted_qty - expected_qty (computed)
+counted_by | uuid FK | Employee who counted this item
+counted_at | timestamptz | When this entry was recorded
+notes | text | Explanation for variance
+created_at | timestamptz |
+
+## 9.3 count_adjustment
+
+When a count session is completed, variances are applied as inventory adjustments. Each adjustment is an auditable record.
+
+Column | Type | Notes
+id | uuid PK |
+count_session_id | uuid FK |
+count_entry_id | uuid FK |
+product_id | uuid FK |
+inventory_unit_id | uuid FK | Nullable
+previous_qty | integer | qty_on_hand before adjustment
+adjusted_qty | integer | qty_on_hand after adjustment
+adjustment_reason | enum | cycle_count | damaged | stolen | found | data_entry_error
+approved_by | uuid FK | Manager who approved the adjustment
+approved_at | timestamptz |
+created_at | timestamptz |
+
+## 9.4 Cycle Count Workflow
+
+1. Manager creates count session — selects scope (full, category, or spot check)
+2. System snapshots expected quantities for all products in scope
+3. Staff count physical inventory — enter counts per product/unit
+4. System calculates variances and flags discrepancies
+5. Manager reviews variances — adds reason codes for each
+6. Manager approves adjustments — qty_on_hand updated, adjustment records created
+7. Session marked completed — immutable after completion
+
+## 9.5 Business Rules
+
+- Count sessions lock affected products from sale/receiving while in_progress — prevents count drift
+- Variances above a configurable threshold (default: 5% or $50 value) require manager approval
+- All adjustments are append-only audit records — never modified after creation
+- Serialized items: count confirms unit is present and in expected status
+- Completed sessions cannot be reopened — start a new session to re-count
+- Spot checks do not lock inventory — used for quick verification without disrupting sales
+
+
+
+# 10. Purchase Orders
+
+Formal purchase order workflow extends the existing stock_receipt flow. POs track what was ordered, what was received, and flag discrepancies.
+
+## 10.1 purchase_order
+
+Column | Type | Notes
+id | uuid PK |
+company_id | uuid FK | Tenant scoping
+location_id | uuid FK | Receiving location
+po_number | varchar | Human-readable PO number (auto-generated)
+supplier_id | uuid FK |
+status | enum | draft | submitted | partial | received | cancelled
+order_date | date | When PO was sent to supplier
+expected_date | date | Expected delivery date
+received_date | date | When fully received
+subtotal | numeric(10,2) | Sum of line totals
+shipping_cost | numeric(10,2) |
+tax | numeric(10,2) |
+total | numeric(10,2) |
+notes | text | Internal notes or special instructions
+created_by | uuid FK | Employee who created
+created_at | timestamptz |
+updated_at | timestamptz |
+
+## 10.2 purchase_order_line
+
+Column | Type | Notes
+id | uuid PK |
+purchase_order_id | uuid FK |
+product_id | uuid FK |
+supplier_sku | varchar | Supplier's SKU for this product
+description | varchar | Line item description
+qty_ordered | integer |
+qty_received | integer | Updated as items arrive — default 0
+unit_cost | numeric(10,2) | Agreed cost per unit
+line_total | numeric(10,2) | qty_ordered * unit_cost
+created_at | timestamptz |
+
+## 10.3 Three-Way Match
+
+When receiving against a PO, the system compares:
+1. **PO line** — what was ordered (qty_ordered, unit_cost)
+2. **Packing slip** — what supplier says they shipped (entered by staff at receiving)
+3. **Physical count** — what actually arrived (counted by staff)
+
+Discrepancies flagged: short shipment, over shipment, wrong item, cost mismatch.
+
+## 10.4 PO → Stock Receipt Flow
+
+- Receiving against a PO auto-creates stock_receipt records for each line received
+- stock_receipt.purchase_order_id links receipt back to originating PO
+- Partial receives update PO status to "partial" — remaining lines stay open
+- Final receive updates PO status to "received"
+
+## 10.5 Business Rules
+
+- POs in draft status are editable — submitted POs are locked (create new revision if needed)
+- Supplier auto-populated from product's preferred supplier if set
+- Unit cost defaults to last stock_receipt cost for that product from that supplier
+- PO approval workflow optional — configurable threshold requiring manager sign-off
+- Cancelled POs retained for audit — soft cancel with reason code
+- Reorder report: products below qty_reorder_point generate suggested PO lines grouped by preferred supplier
+
+
+
+# 11. Product Bundles & Kits
+
+Bundles group multiple products into a single sellable item at a package price. Common in music retail: instrument + case + accessories starter packs.
+
+## 11.1 product_bundle
+
+Column | Type | Notes
+id | uuid PK |
+company_id | uuid FK | Tenant scoping
+product_id | uuid FK | The bundle's parent product record (is_bundle = true)
+created_at | timestamptz |
+
+## 11.2 product_bundle_item
+
+Column | Type | Notes
+id | uuid PK |
+bundle_id | uuid FK | References product_bundle
+component_product_id | uuid FK | The included product
+qty | integer | How many of this component per bundle (default 1)
+sort_order | integer | Display order in bundle breakdown
+created_at | timestamptz |
+
+## 11.3 Schema Changes
+
+**product** — add column:
+
+Column | Type | Notes
+is_bundle | boolean | Default false. True = this product is a bundle of other products.
+
+## 11.4 Pricing Models
+
+Model | Description
+fixed | Bundle has a set price — component prices ignored at POS
+sum_discount | Bundle price = sum of component prices minus a bundle discount (percent or fixed)
+
+Bundle price is stored on the parent product.price field. The pricing model determines how the discount is displayed on receipts (single line vs itemized with discount).
+
+## 11.5 Inventory Behavior
+
+- Bundle does not have its own qty_on_hand — availability derived from component stock
+- Bundle is "in stock" only if ALL components are in stock at required quantities
+- Selling a bundle decrements each component product's qty_on_hand (or marks serialized units as sold)
+- Stock receipt never targets a bundle directly — components are received individually
+- Low stock alert triggers if any component falls below its reorder point
+
+## 11.6 Business Rules
+
+- A bundle component cannot itself be a bundle (no nesting)
+- Bundles appear in POS search like any product — clearly labeled as bundle
+- Receipt shows bundle name and price, with component breakdown below
+- Returning a bundle returns all components — partial bundle returns handled as individual item returns
+- Bundle price must be less than or equal to sum of component prices (enforced at creation)
+
+
+
+# 12. Barcode Label Printing
+
+Bulk label printing for inventory receiving, repricing, and cycle count preparation.
+
+## 12.1 Label Templates
+
+Template | Use Case | Content
+standard_price | Shelf labels | SKU, name, price, barcode (UPC or SKU)
+serialized | Individual units | Serial number, SKU, name, barcode (serial)
+clearance | Sale items | SKU, name, original price (struck), sale price, barcode
+receiving | Incoming stock | SKU, name, price, received date, barcode
+bundle | Bundle items | Bundle name, bundle price, component list, barcode
+
+## 12.2 Print Jobs
+
+Label printing is triggered from:
+- **Stock receipt** — auto-prompt to print labels for received items
+- **Price change** — bulk print updated labels for repriced items
+- **Cycle count prep** — print labels for products missing barcodes
+- **Manual** — select products from inventory list, choose template, print
+
+## 12.3 Technical
+
+- Labels rendered server-side as PDF (ZPL support planned for thermal printers)
+- Standard label sizes: 1.25" x 0.875" (Dymo), 2" x 1" (thermal roll), 4" x 6" (shipping)
+- Barcode formats: Code 128 (SKU-based), UPC-A (manufacturer UPC), QR code (serial number)
+- Print queue supports batching — up to 500 labels per job
+
+
+
+# 13. Backorders
+
+Customer order queue for out-of-stock items. Tracks demand and notifies customers when stock arrives.
+
+## 13.1 backorder
+
+Column | Type | Notes
+id | uuid PK |
+company_id | uuid FK | Tenant scoping
+location_id | uuid FK |
+product_id | uuid FK | What was requested
+account_id | uuid FK | Who wants it
+member_id | uuid FK | Nullable — specific member on account
+qty | integer | Quantity requested
+status | enum | pending | ordered | received | fulfilled | cancelled
+purchase_order_line_id | uuid FK | Nullable — linked to PO when ordered from supplier
+deposit_transaction_id | uuid FK | Nullable — if deposit collected
+notes | text |
+requested_date | date | When customer placed backorder
+fulfilled_date | date | When customer received item
+created_by | uuid FK | Employee who took the order
+created_at | timestamptz |
+updated_at | timestamptz |
+
+## 13.2 Workflow
+
+1. Customer wants an out-of-stock product — staff creates backorder
+2. Optional: collect deposit via POS (deposit_transaction_id recorded)
+3. When creating next PO for that supplier, backorder quantities surfaced as suggested lines
+4. Stock receipt against PO triggers backorder match — status updated to "received"
+5. Staff notified to contact customer — notification sent via preferred channel
+6. Customer picks up item — backorder marked "fulfilled", deposit applied to sale
+
+## 13.3 Business Rules
+
+- Multiple backorders can exist for the same product — filled in request date order (FIFO)
+- Backorder quantities included in reorder report alongside reorder point calculations
+- Cancelled backorders refund any deposit collected
+- Backorder demand report: shows products with pending backorders — informs purchasing decisions
\ No newline at end of file
diff --git a/planning/04_Domain_Rentals.md b/planning/04_Domain_Rentals.md
index 2026255..4bb7c8c 100644
--- a/planning/04_Domain_Rentals.md
+++ b/planning/04_Domain_Rentals.md
@@ -232,4 +232,133 @@ When billing_group is null, the rental has its own independent Stripe subscripti
 
 - Final invoice generated for any partial month charges
 
-- If damage found, repair ticket created automatically and linked to rental record
\ No newline at end of file
+- If damage found, repair ticket created automatically and linked to rental record
+
+
+
+# 7. Rental Agreement Contracts
+
+Every rental requires a signed agreement before the instrument leaves the store. Agreements are generated from templates, capture all rental terms, and are stored as signed documents.
+
+## 7.1 rental_agreement_template
+
+Store-configurable contract templates. Most stores have one template per rental type, but can create variations for schools, events, etc.
+
+Column | Type | Notes
+id | uuid PK |
+company_id | uuid FK | Tenant scoping
+name | varchar | e.g. "Standard Month-to-Month", "School RTO Agreement", "Short-Term Event Rental"
+rental_type | enum | month_to_month | rent_to_own | short_term | lease_purchase | all
+body | text | Contract body with merge fields (see §7.3)
+requires_signature | boolean | Default true — some internal/school agreements may waive
+requires_guardian_signature | boolean | Default true if member.is_minor
+include_insurance_terms | boolean | Whether insurance section is included
+include_rto_terms | boolean | Whether rent-to-own buyout terms are included
+include_damage_policy | boolean | Whether damage/loss liability section is included
+is_default | boolean | Default template for this rental_type
+is_active | boolean |
+created_at | timestamptz |
+updated_at | timestamptz |
+
+## 7.2 rental_agreement
+
+A generated, signed agreement instance linked to a specific rental.
+
+Column | Type | Notes
+id | uuid PK |
+company_id | uuid FK |
+rental_id | uuid FK | The rental this agreement covers
+template_id | uuid FK | Template used to generate
+account_id | uuid FK |
+member_id | uuid FK | Member receiving the instrument
+agreement_number | varchar | Human-readable ID (auto-generated)
+generated_body | text | Full rendered contract text with all merge fields resolved — immutable after signing
+status | enum | draft | pending_signature | signed | voided
+signed_at | timestamptz | When signature was captured
+signer_name | varchar | Name of person who signed
+signer_relationship | varchar | Nullable — e.g. "parent", "guardian", "self"
+guardian_signed_at | timestamptz | Nullable — when guardian signed (if minor)
+guardian_name | varchar | Nullable
+signature_method | enum | in_store_tablet | in_store_paper | email | portal
+signature_data | text | Nullable — base64 signature image for tablet/paper capture
+document_url | varchar | Nullable — URL to stored PDF in object storage
+ip_address | varchar | Nullable — for email/portal signatures
+voided_reason | text | Nullable — why agreement was voided
+voided_by | uuid FK | Nullable
+created_at | timestamptz |
+updated_at | timestamptz |
+
+## 7.3 Merge Fields
+
+Templates use merge fields that are resolved at generation time. The generated_body stores the fully resolved text so the agreement is a permanent record even if account details change later.
+
+Field | Resolves To
+{{account_name}} | account.name
+{{account_email}} | account.email
+{{account_phone}} | account.phone
+{{account_address}} | account.address (formatted)
+{{member_name}} | member.first_name + member.last_name
+{{member_is_minor}} | "Yes" / "No"
+{{instrument_description}} | product.name + product.brand + product.model
+{{instrument_size}} | inventory_unit.instrument_size or product.instrument_size
+{{serial_number}} | inventory_unit.serial_number
+{{instrument_condition}} | inventory_unit.condition at rental start
+{{rental_type}} | Formatted rental type name
+{{monthly_rate}} | rental.monthly_rate
+{{deposit_amount}} | rental.deposit_amount
+{{start_date}} | rental.start_date (formatted)
+{{end_date}} | rental.end_date or "Open-ended"
+{{rto_purchase_price}} | rental.rto_purchase_price (if RTO)
+{{rto_equity_percent}} | rental.rto_equity_percent (if RTO)
+{{company_name}} | company.name
+{{company_address}} | company.address
+{{company_phone}} | company.phone
+{{today_date}} | Current date
+{{agreement_number}} | rental_agreement.agreement_number
+
+## 7.4 Agreement Workflow
+
+1. Staff creates rental — system selects default template for rental_type (or staff picks one)
+2. Agreement generated: merge fields resolved, generated_body populated, status = "draft"
+3. Staff reviews agreement on screen — can edit before finalizing if needed
+4. Signature capture:
+   a. **In-store tablet**: customer signs on screen, signature_data captured as base64
+   b. **In-store paper**: staff prints, customer signs physical copy, staff scans/uploads
+   c. **Email**: agreement emailed to account email with secure signing link
+   d. **Portal**: customer signs via self-service portal (if MOD-PORTAL licensed)
+5. Agreement status updated to "signed" — PDF generated and stored
+6. Rental cannot activate until agreement is signed (unless overridden by manager)
+7. Signed agreement PDF available on rental record, account history, and customer portal
+
+## 7.5 Guardian Signatures
+
+- If member.is_minor = true, agreement requires guardian signature in addition to (or instead of) member signature
+- Guardian must be an adult member on the same account, or signer_relationship recorded for non-member guardian
+- Both signature fields must be completed before agreement is fully signed
+- Email/portal signing flow sends to account primary email (assumed to be parent/guardian)
+
+## 7.6 Agreement Delivery
+
+- **Print**: generated as PDF, sent to receipt printer or standard printer
+- **Email**: PDF attached to email sent to account.email
+- **Portal**: PDF available in customer portal under "My Agreements"
+- **All signed agreements**: stored in object storage (S3-compatible), URL recorded on rental_agreement.document_url
+
+## 7.7 Voiding and Re-signing
+
+- Voiding an agreement requires reason and manager approval
+- Voiding does not cancel the rental — but rental cannot remain active without a signed agreement
+- Common void reasons: incorrect terms, wrong instrument, customer requested change
+- After voiding, a new agreement is generated from template (or modified) and signed
+- Voided agreements retained for audit — never deleted
+
+## 7.8 Business Rules
+
+- Rental cannot activate without a signed agreement (manager override available with reason logged)
+- Agreement text is immutable after signing — edits require void and re-sign
+- generated_body is the legal record — template changes do not affect existing agreements
+- Signature data retained for the life of the agreement (minimum 7 years per record retention policy)
+- Agreement PDF regenerated on demand from generated_body + signature_data — not dependent on template
+- Schools with bulk rentals (MOD-BATCH): single master agreement can cover multiple instruments for a school account
+- Short-term rentals may use a simplified template with fewer terms
+- Agreement history visible on account record — all past and current agreements listed
\ No newline at end of file
diff --git a/planning/06_Domain_Repairs.md b/planning/06_Domain_Repairs.md
index e2557b2..b124bd8 100644
--- a/planning/06_Domain_Repairs.md
+++ b/planning/06_Domain_Repairs.md
@@ -432,4 +432,124 @@ Margin on flat-rate services — e.g. are rehair rates covering costs
 
 - Repair complete status triggers customer notification via preferred channel
 
-- Delivered status set by delivery domain completion — not manually
\ No newline at end of file
+- Delivered status set by delivery domain completion — not manually
+
+
+
+# 7. Warranty Tracking
+
+Warranties are tracked per inventory unit — both manufacturer warranties and store-offered extended warranties. Warranty status is surfaced during repair intake to determine billing responsibility.
+
+## 7.1 warranty
+
+Column | Type | Notes
+id | uuid PK |
+company_id | uuid FK | Tenant scoping
+inventory_unit_id | uuid FK | The specific instrument covered
+account_id | uuid FK | Account that owns the warranty
+warranty_type | enum | manufacturer | extended | store
+provider | varchar | Warranty provider name (e.g. "Yamaha", "Store Protection Plan")
+coverage_description | text | What's covered — free text or template
+start_date | date | When coverage begins
+end_date | date | When coverage expires
+purchase_price | numeric(10,2) | Nullable — price paid for extended warranty (0 for manufacturer)
+transaction_id | uuid FK | Nullable — sale transaction where warranty was purchased
+status | enum | active | expired | claimed | voided
+max_claims | integer | Nullable — max number of claims allowed (null = unlimited)
+claims_used | integer | Default 0
+notes | text |
+created_at | timestamptz |
+updated_at | timestamptz |
+
+## 7.2 warranty_claim
+
+Column | Type | Notes
+id | uuid PK |
+warranty_id | uuid FK |
+repair_ticket_id | uuid FK | The repair covered by this claim
+claim_date | date |
+issue_description | text | What went wrong
+resolution | text | How it was resolved
+claim_amount | numeric(10,2) | Cost covered by warranty
+status | enum | submitted | approved | denied | completed
+denied_reason | text | Nullable — why claim was denied
+processed_by | uuid FK | Employee who processed
+created_at | timestamptz |
+
+## 7.3 Warranty Flow
+
+1. **At sale**: staff optionally adds extended warranty to transaction — warranty record created linked to inventory_unit
+2. **Manufacturer warranty**: auto-created when new serialized item is sold, using manufacturer's standard warranty period
+3. **At repair intake**: system checks if instrument has active warranty — surfaces to staff
+4. **If under warranty**: repair ticket linked to warranty claim — customer not billed (or reduced billing)
+5. **Claim processing**: store submits claim to manufacturer for reimbursement if applicable
+6. **Expiry**: system tracks end_date — warranty status auto-updated to "expired"
+
+## 7.4 Business Rules
+
+- Warranty checked automatically during repair intake — staff sees "UNDER WARRANTY" or "WARRANTY EXPIRED"
+- Extended warranties are sold as a line item on the original sale transaction
+- Manufacturer warranty periods are configurable per brand (e.g. Yamaha = 5 years, generic = 1 year)
+- Warranty claims reduce repair ticket billing — covered amount shown on invoice as "warranty credit"
+- Voided warranties (e.g. customer damage outside coverage) require reason code and manager approval
+- Warranty report: active warranties by expiry date, claim history, claim approval rate
+
+
+
+# 8. Maintenance Schedules
+
+Preventive maintenance recommendations and reminders per instrument. Helps stores build recurring service revenue and keeps customer instruments in good condition.
+
+## 8.1 maintenance_schedule_template
+
+Company-configurable templates define recommended maintenance intervals by instrument type.
+
+Column | Type | Notes
+id | uuid PK |
+company_id | uuid FK | Tenant scoping
+instrument_type | varchar | e.g. "violin", "trumpet", "clarinet", "flute"
+service_name | varchar | e.g. "Bow Rehair", "Valve Oil & Cleaning", "Pad Replacement Check"
+interval_months | integer | Recommended interval between services
+description | text | Customer-facing description of what the service includes
+estimated_cost | numeric(10,2) | Typical cost — for customer expectation setting
+sort_order | integer | Display order
+is_active | boolean |
+created_at | timestamptz |
+
+## 8.2 maintenance_reminder
+
+Tracks scheduled reminders for specific instruments owned by customers.
+
+Column | Type | Notes
+id | uuid PK |
+company_id | uuid FK |
+account_id | uuid FK |
+member_id | uuid FK | Nullable — specific member
+inventory_unit_id | uuid FK | Nullable — specific instrument if tracked
+template_id | uuid FK | Which maintenance template this follows
+instrument_description | varchar | Fallback description if no inventory_unit linked
+last_service_date | date | When this service was last performed
+next_due_date | date | Computed: last_service_date + interval_months
+status | enum | upcoming | due | overdue | completed | dismissed
+notification_sent | boolean | Whether customer has been notified
+repair_ticket_id | uuid FK | Nullable — linked to repair ticket when service is scheduled
+created_at | timestamptz |
+updated_at | timestamptz |
+
+## 8.3 Maintenance Workflow
+
+1. When a repair is completed, system suggests creating maintenance reminders based on instrument type
+2. Reminders auto-calculated: next_due_date = completed_date + template.interval_months
+3. Daily job checks for due/overdue reminders — generates notification queue
+4. Customer notified via preferred channel (email, SMS, portal notification)
+5. When customer brings instrument in, staff sees pending maintenance recommendations
+6. Completed service updates the reminder: last_service_date = today, next recalculated
+
+## 8.4 Business Rules
+
+- Maintenance reminders are suggestions, not obligations — customer can dismiss
+- Templates are seeded with common defaults, fully customizable per store
+- Reminders auto-created for rental fleet instruments — store maintains own fleet on schedule
+- Overdue reminders escalate: due → 30 days overdue (second notice) → 90 days (final notice, then dismissed)
+- Maintenance history visible on customer account and instrument record
+- Revenue report: maintenance service revenue, conversion rate from reminder to repair ticket
\ No newline at end of file
diff --git a/planning/07_Domain_Sales_POS.md b/planning/07_Domain_Sales_POS.md
index ce6e6a8..a3cc01d 100644
--- a/planning/07_Domain_Sales_POS.md
+++ b/planning/07_Domain_Sales_POS.md
@@ -228,4 +228,255 @@ Account charge
 
 Internal
 
-Charges to account balance — billed later
\ No newline at end of file
+Charges to account balance — billed later
+
+
+
+# 6. Trade-In Workflow
+
+Trade-ins are a core music retail workflow. A customer brings in a used instrument and receives credit toward a purchase. The trade-in creates both an inventory intake (new used product) and a credit applied to a transaction.
+
+## 6.1 trade_in
+
+Column | Type | Notes
+id | uuid PK |
+company_id | uuid FK | Tenant scoping
+location_id | uuid FK |
+account_id | uuid FK | Nullable — walk-in trade-ins allowed
+appraised_by | uuid FK | Employee who appraised
+instrument_description | varchar | What the customer is trading in
+serial_number | varchar | Nullable
+condition | enum | excellent | good | fair | poor
+appraisal_value | numeric(10,2) | What store offers the customer
+credit_applied | numeric(10,2) | Amount applied to transaction (may equal appraisal or less if partial)
+transaction_id | uuid FK | Nullable — the sale transaction where credit was applied
+product_id | uuid FK | Nullable — the product record created for the traded-in item
+inventory_unit_id | uuid FK | Nullable — the inventory unit created (if serialized)
+status | enum | appraised | accepted | declined | sold
+notes | text | Condition details, customer negotiation notes
+appraised_at | timestamptz |
+created_at | timestamptz |
+
+## 6.2 Trade-In Flow
+
+1. Customer brings instrument — staff appraises condition and fair market value
+2. Staff enters trade-in: description, serial, condition, appraisal value
+3. Customer accepts or declines the offer
+4. If accepted:
+   a. New product/inventory_unit created for the traded-in instrument (used, condition noted)
+   b. Trade-in credit applied to the current or future transaction
+   c. Transaction shows trade-in credit as a line item (negative amount)
+5. Traded-in instrument enters inventory as available for resale
+
+## 6.3 Business Rules
+
+- Appraisal value is a negotiation — staff can adjust within min/max guidelines
+- Trade-in credit can exceed purchase price — difference paid as store credit (not cash refund)
+- Trade-in without immediate purchase: credit stored on account as store credit balance
+- Traded-in items default to "used" condition and get a new product record (not merged with new inventory)
+- Trade-in appraisal records are immutable — if value changes, create new appraisal
+- Trade-in value reported separately from sales discount for accounting purposes
+- Manager approval required for trade-in value above configurable threshold
+
+
+
+# 7. Returns & Exchanges
+
+Structured returns workflow beyond simple refund transactions. Handles RMA tracking, reason codes, restocking, and return window enforcement.
+
+## 7.1 return_request
+
+Column | Type | Notes
+id | uuid PK |
+company_id | uuid FK | Tenant scoping
+location_id | uuid FK |
+return_number | varchar | Human-readable RMA number (auto-generated)
+original_transaction_id | uuid FK | The sale being returned against
+account_id | uuid FK | Nullable — anonymous returns allowed with receipt
+status | enum | pending | approved | completed | denied
+return_type | enum | refund | exchange | store_credit
+initiated_by | uuid FK | Employee processing return
+approved_by | uuid FK | Nullable — manager if approval required
+reason_code | enum | defective | wrong_item | changed_mind | duplicate | other
+reason_detail | text | Free-text explanation
+restocking_fee | numeric(10,2) | Default 0 — configurable per category
+refund_amount | numeric(10,2) | Amount returned to customer (after restocking fee)
+refund_method | enum | original_payment | cash | store_credit
+refund_transaction_id | uuid FK | The refund transaction created
+created_at | timestamptz |
+updated_at | timestamptz |
+
+## 7.2 return_line_item
+
+Column | Type | Notes
+id | uuid PK |
+return_request_id | uuid FK |
+original_line_item_id | uuid FK | Line item from original transaction
+product_id | uuid FK |
+inventory_unit_id | uuid FK | Nullable — for serialized items
+qty_returned | integer |
+unit_price | numeric(10,2) | Price at time of original sale
+condition_returned | enum | new | excellent | good | fair | poor | defective
+restock | boolean | Whether item goes back to available inventory
+created_at | timestamptz |
+
+## 7.3 Return Policies
+
+return_policy — configurable per company, overridable per category:
+
+Column | Type | Notes
+id | uuid PK |
+company_id | uuid FK |
+category_id | uuid FK | Nullable — null = company-wide default
+return_window_days | integer | Days after purchase returns are accepted (e.g. 30)
+restocking_fee_percent | numeric(5,2) | Default restocking fee (e.g. 15%)
+requires_receipt | boolean | Whether original receipt/transaction required
+requires_approval | boolean | Whether manager approval needed
+exchange_only | boolean | Some categories only allow exchange, not refund
+is_active | boolean |
+created_at | timestamptz |
+
+## 7.4 Return Workflow
+
+1. Customer requests return — staff looks up original transaction
+2. System checks return window — warns if outside policy (manager can override)
+3. Staff selects items being returned, enters reason code and condition
+4. System calculates refund amount (original price minus restocking fee if applicable)
+5. Manager approves if required by policy or amount threshold
+6. Refund processed: original payment method, cash, or store credit
+7. Returned items: restocked (condition updated) or marked defective (removed from available)
+
+## 7.5 Exchange Flow
+
+1. Return initiated with return_type = exchange
+2. Customer selects replacement item(s)
+3. System calculates difference — customer pays overage or receives credit for underage
+4. Single transaction captures both the return credit and the new sale
+5. Both the return and new sale are linked for reporting
+
+## 7.6 Business Rules
+
+- Return window enforced at POS — staff sees clear "within policy" / "outside policy" indicator
+- Outside-policy returns require manager override with reason
+- Defective items never restocked — routed to repair assessment or disposal
+- Serialized items: inventory unit status reverted from "sold" to "available" on restock
+- Non-serialized items: qty_on_hand incremented on restock
+- Refund to original payment method preferred — Stripe refund API called for card transactions
+- Store credit refunds create a credit balance on the account
+- No cash refunds above configurable threshold without manager approval
+- Return fraud tracking: system flags accounts with high return frequency
+
+
+
+# 8. Tax Exemptions at POS
+
+Tax-exempt customers (schools, churches, resellers) are common in music retail. Tax exemption is checked at transaction time and the exemption is recorded on each qualifying transaction.
+
+## 8.1 Transaction Tax Flow
+
+1. Transaction started — account attached (or anonymous)
+2. System checks account.tax_exempt_status:
+   - If "approved": tax automatically set to $0.00 on all eligible lines
+   - If "pending" or "none": standard tax calculation applies
+3. Tax exemption displayed on POS screen — staff sees "TAX EXEMPT" indicator
+4. Receipt and invoice show $0.00 tax with exemption reference number
+5. Tax-exempt transactions flagged in reporting for audit compliance
+
+## 8.2 Manual Override
+
+- Staff can manually mark a transaction as tax-exempt (e.g. walk-in school purchaser with certificate)
+- Manual exemptions require: certificate number entry and manager approval
+- Manual exemptions logged in tax_exemption_audit for compliance
+
+## 8.3 Business Rules
+
+- Tax exemption applies to the entire transaction, not individual line items
+- Resale certificates have expiration dates — system warns when nearing expiry
+- Expired certificates block auto-exemption until renewed — staff can override with manager approval
+- Tax-exempt transaction count and value reported monthly for state compliance
+- Rental transactions for schools are tax-exempt if the school account is exempt
+
+
+
+# 9. In-Home Trials
+
+In-home trials let a customer take an instrument home to try before committing to a purchase. Common for higher-value instruments (guitars, violins, horns) where feel, sound, and fit matter. The instrument leaves the store, so precise inventory tracking is critical.
+
+## 9.1 instrument_trial
+
+Column | Type | Notes
+id | uuid PK |
+company_id | uuid FK | Tenant scoping
+location_id | uuid FK | Originating location
+account_id | uuid FK | Customer taking the trial
+member_id | uuid FK | Nullable — specific member
+inventory_unit_id | uuid FK | The specific instrument being trialed
+trial_number | varchar | Human-readable ID (auto-generated)
+status | enum | active | returned | converted | overdue | cancelled
+checkout_date | date | When instrument left the store
+due_date | date | When instrument must be returned
+returned_date | date | Nullable — when actually returned
+duration_days | integer | Trial length (default configurable, e.g. 3-7 days)
+deposit_amount | numeric(10,2) | Nullable — optional hold or deposit collected
+deposit_transaction_id | uuid FK | Nullable — POS transaction for deposit
+condition_out | enum | new | excellent | good | fair | poor — condition at checkout
+condition_in | enum | Nullable — condition at return
+checked_out_by | uuid FK | Employee who processed checkout
+checked_in_by | uuid FK | Nullable — employee who processed return
+sale_transaction_id | uuid FK | Nullable — if trial converted to sale
+notes | text |
+created_at | timestamptz |
+updated_at | timestamptz |
+
+## 9.2 Inventory Unit Status
+
+**inventory_unit.status** — add value:
+
+Value | Notes
+on_trial | Instrument is out with a customer on an in-home trial. Not available for sale, rental, or display.
+
+This status ensures the instrument is accounted for in all inventory views. Staff can see exactly which instruments are out on trial, with whom, and when they're due back.
+
+## 9.3 Trial Workflow
+
+1. Customer interested in an instrument — staff creates trial, selects inventory unit
+2. Condition documented at checkout (condition_out)
+3. Optional: deposit collected via POS (hold against card or cash deposit)
+4. inventory_unit.status set to "on_trial"
+5. Customer takes instrument home
+6. Daily job checks for overdue trials — flags on dashboard, notifies staff
+7. Customer returns instrument:
+   a. Condition assessed at return (condition_in)
+   b. inventory_unit.status reverted to "available" (or "in_repair" if damaged)
+   c. Deposit refunded if collected
+8. **Conversion**: customer decides to buy — trial marked "converted", sale transaction created, deposit applied as payment
+
+## 9.4 Multiple Trials
+
+- A customer may trial multiple instruments simultaneously (e.g. comparing two violins)
+- Each instrument gets its own trial record
+- Staff can see all active trials per customer on the account view
+- Common scenario: customer takes two, returns one, buys the other
+
+## 9.5 Overdue Handling
+
+- Trial due_date is firm — system escalates overdue trials:
+  - Day of due date: reminder notification sent to customer
+  - 1 day overdue: staff alerted on dashboard
+  - 3 days overdue: manager notified, customer contacted directly
+  - 7+ days overdue: escalation to store owner, deposit may be charged
+- Overdue trials appear prominently on the daily operations dashboard
+- If deposit was collected, store can charge the deposit after configurable overdue period
+
+## 9.6 Business Rules
+
+- Trial requires an account — no anonymous trials (need contact info for follow-up and liability)
+- Only serialized inventory units can go on trial (need serial number tracking)
+- Instrument must be in "available" status to start a trial
+- Maximum concurrent trials per account configurable (default: 3)
+- Maximum trial duration configurable per company (default: 7 days, max: 30 days)
+- Condition documented at checkout and return — discrepancies flagged for review
+- Deposit optional but recommended for high-value instruments — threshold configurable
+- Trial history visible on both the account record and the inventory unit record
+- Conversion rate report: trials started vs converted to sale, by instrument category and employee
+- Lost instrument on trial: if not returned and unresolved, inventory_unit.status set to "lost", deposit charged, account flagged
\ No newline at end of file
diff --git a/planning/08_Domain_Payments_Billing.md b/planning/08_Domain_Payments_Billing.md
index e724a84..fc3151b 100644
--- a/planning/08_Domain_Payments_Billing.md
+++ b/planning/08_Domain_Payments_Billing.md
@@ -198,4 +198,183 @@ The billing service checks `store.payment_processor` to determine the flow:
 
 id, event_id (Stripe's ID), event_type, payload (jsonb),processed_at, status (received|processed|failed), error_message, created_at
 
-All incoming webhook events are stored before processing. This enables replay if processing fails.
\ No newline at end of file
+All incoming webhook events are stored before processing. This enables replay if processing fails.
+
+
+
+# 8. Gift Cards & Store Credits (MOD-GIFTCARD)
+
+Gift cards and store credits are a premium module. Gift cards are purchasable/redeemable stored-value instruments. Store credits are system-issued balances (from returns, trade-ins, or adjustments).
+
+## 8.1 gift_card
+
+Column | Type | Notes
+id | uuid PK |
+company_id | uuid FK | Tenant scoping
+card_number | varchar | Unique card identifier (printed on physical card or emailed)
+pin | varchar | Nullable — optional PIN for security (hashed)
+type | enum | physical | digital
+initial_balance | numeric(10,2) | Original loaded amount
+current_balance | numeric(10,2) | Remaining balance
+status | enum | active | redeemed | expired | disabled
+purchased_by_account_id | uuid FK | Nullable — who bought it
+recipient_email | varchar | Nullable — for digital cards
+recipient_name | varchar | Nullable
+purchase_transaction_id | uuid FK | The sale transaction where card was purchased
+expiry_date | date | Nullable — some jurisdictions prohibit expiry
+is_reloadable | boolean | Default false
+created_at | timestamptz |
+updated_at | timestamptz |
+
+## 8.2 gift_card_transaction
+
+Append-only ledger of all balance changes on a gift card.
+
+Column | Type | Notes
+id | uuid PK |
+gift_card_id | uuid FK |
+transaction_type | enum | purchase | reload | redemption | refund | adjustment | expiry
+amount | numeric(10,2) | Positive for loads, negative for redemptions
+balance_after | numeric(10,2) | Running balance after this transaction
+related_transaction_id | uuid FK | Nullable — the POS transaction where redeemed/purchased
+performed_by | uuid FK | Employee
+notes | text |
+created_at | timestamptz |
+
+## 8.3 store_credit
+
+Store credits are account-level balances issued by the system, not purchasable products.
+
+Column | Type | Notes
+id | uuid PK |
+company_id | uuid FK |
+account_id | uuid FK | Account that holds the credit
+reason | enum | return | trade_in | adjustment | promotion | gift_card_conversion
+original_amount | numeric(10,2) |
+remaining_balance | numeric(10,2) |
+issued_by | uuid FK | Employee who issued
+related_return_id | uuid FK | Nullable — if from a return
+related_trade_in_id | uuid FK | Nullable — if from a trade-in
+expires_at | timestamptz | Nullable — configurable expiry
+status | enum | active | depleted | expired | voided
+created_at | timestamptz |
+updated_at | timestamptz |
+
+## 8.4 store_credit_transaction
+
+Append-only ledger for store credit balance changes.
+
+Column | Type | Notes
+id | uuid PK |
+store_credit_id | uuid FK |
+transaction_type | enum | issued | applied | adjustment | expired | voided
+amount | numeric(10,2) |
+balance_after | numeric(10,2) |
+related_transaction_id | uuid FK | Nullable
+performed_by | uuid FK |
+created_at | timestamptz |
+
+## 8.5 POS Integration
+
+- Gift card sold as a product at POS — triggers gift_card creation with initial balance
+- Gift card redemption is a payment method: customer presents card, balance checked, amount deducted
+- Partial redemption supported — remaining balance stays on card
+- Split tender: gift card covers part, remaining on card/cash
+- Store credit auto-applied: when account has credit balance, POS prompts "Apply $X.XX store credit?"
+- Both gift card and store credit balances visible on account summary
+
+## 8.6 Business Rules
+
+- Gift card numbers generated with check digit to prevent typos
+- Physical cards activated at POS — not active until purchased (prevents theft of unactivated cards)
+- Digital cards emailed immediately with card number and optional message
+- Gift card balance inquiries available at POS and customer portal
+- Expiry rules vary by jurisdiction — configurable per company, default: no expiry
+- Store credits cannot be cashed out — applied to purchases only
+- All balance changes are append-only ledger entries — no direct balance edits
+- Gift card liability tracked for accounting: total outstanding balances reported as liability
+- Reloadable gift cards allow additional value to be added after purchase
+
+
+
+# 9. Layaway & Payment Plans (MOD-LAYAWAY)
+
+Layaway allows a customer to reserve an item with a deposit and pay it off over time. The item is held (not available for sale) until fully paid.
+
+## 9.1 layaway
+
+Column | Type | Notes
+id | uuid PK |
+company_id | uuid FK | Tenant scoping
+location_id | uuid FK |
+layaway_number | varchar | Human-readable ID (auto-generated)
+account_id | uuid FK |
+status | enum | active | completed | defaulted | cancelled
+total_price | numeric(10,2) | Full price of items on layaway
+deposit_amount | numeric(10,2) | Initial deposit collected
+amount_paid | numeric(10,2) | Total paid to date (including deposit)
+balance_remaining | numeric(10,2) | total_price - amount_paid
+payment_frequency | enum | weekly | biweekly | monthly
+next_payment_date | date | Next scheduled payment
+payment_amount | numeric(10,2) | Scheduled payment amount per period
+max_duration_days | integer | Maximum days to complete layaway (e.g. 90)
+expires_at | date | Deposit date + max_duration_days
+cancellation_fee | numeric(10,2) | Fee charged if customer cancels (configurable)
+notes | text |
+created_by | uuid FK |
+created_at | timestamptz |
+updated_at | timestamptz |
+
+## 9.2 layaway_item
+
+Column | Type | Notes
+id | uuid PK |
+layaway_id | uuid FK |
+product_id | uuid FK |
+inventory_unit_id | uuid FK | Nullable — for serialized items, unit is reserved
+description | varchar |
+qty | integer |
+unit_price | numeric(10,2) |
+line_total | numeric(10,2) |
+created_at | timestamptz |
+
+## 9.3 layaway_payment
+
+Column | Type | Notes
+id | uuid PK |
+layaway_id | uuid FK |
+transaction_id | uuid FK | The POS transaction for this payment
+amount | numeric(10,2) |
+balance_after | numeric(10,2) | Remaining balance after payment
+payment_number | integer | 1, 2, 3... sequential
+is_deposit | boolean | True for initial deposit
+paid_at | timestamptz |
+created_at | timestamptz |
+
+## 9.4 Layaway Workflow
+
+1. Customer selects items — staff creates layaway with deposit (minimum deposit configurable, e.g. 20%)
+2. Serialized items: inventory_unit.status set to "layaway" (held, not available for sale)
+3. Non-serialized items: qty reserved (decremented from available)
+4. Customer makes scheduled payments at POS — each payment recorded as layaway_payment
+5. When balance reaches $0: layaway completed, items released to customer, standard sale transaction created
+6. Missed payments: system sends reminders at configurable intervals
+7. Default: after configurable missed payments or past expiry — manager reviews for cancellation
+
+## 9.5 Cancellation
+
+- Customer-initiated cancellation: deposit refunded minus cancellation fee, items returned to available inventory
+- Default cancellation (non-payment): same as above, but store may retain more of deposit per policy
+- Cancellation fee configurable per company — can be fixed amount or percentage of amount paid
+- All payments refunded via original payment method or store credit (store's choice per policy)
+
+## 9.6 Business Rules
+
+- Minimum deposit enforced (configurable — default 20% of total)
+- Items on layaway are held — not available for sale to other customers
+- Price locked at layaway creation — price changes don't affect existing layaways
+- Payment reminders sent before due date (configurable: 3 days before default)
+- Overdue payments flagged on dashboard — staff follows up
+- Layaway report: active layaways, total held value, upcoming payments, overdue accounts
+- Maximum layaway duration configurable per company (default 90 days)
+- Layaway items can be exchanged (size swap) with manager approval — price difference adjusted
\ No newline at end of file
diff --git a/planning/15_Licensing_Modules_Pricing.md b/planning/15_Licensing_Modules_Pricing.md
index 9b6ff23..6027dbe 100644
--- a/planning/15_Licensing_Modules_Pricing.md
+++ b/planning/15_Licensing_Modules_Pricing.md
@@ -174,6 +174,18 @@ API access — REST API for third-party integrations, webhooks, data export. Rat
 
 Technical integrations
 
+MOD-GIFTCARD
+
+Gift cards and store credits — physical and digital gift cards, store credit balances, redemption at POS, balance tracking.
+
+Stores wanting gift card revenue
+
+MOD-LAYAWAY
+
+Layaway and payment plans — item reservation with deposit, scheduled payments, hold management.
+
+Stores with high-value instruments
+
 
 
 ## 2.3 Payment Processor Modules
@@ -240,6 +252,14 @@ MOD-API
 
 None — can be added to any configuration
 
+MOD-GIFTCARD
+
+None — can be added to any configuration
+
+MOD-LAYAWAY
+
+None — can be added to any configuration
+
 
 
 # 3. Self-Hosted — Perpetual Licensing
@@ -356,6 +376,22 @@ $80
 
 REST API access
 
+MOD-GIFTCARD
+
+$300
+
+$60
+
+Gift cards & store credits
+
+MOD-LAYAWAY
+
+$300
+
+$60
+
+Layaway & payment plans
+
 PAY-STRIPE
 
 $300
diff --git a/planning/22_Audit_Phase2_Review.md b/planning/22_Audit_Phase2_Review.md
index 0730dbe..5ed2ca2 100644
--- a/planning/22_Audit_Phase2_Review.md
+++ b/planning/22_Audit_Phase2_Review.md
@@ -108,26 +108,26 @@ Consignment | 9/10 | Commission tracking, settlement workflow, accounting
 Sales commission | 8/10 | Rate hierarchy, per-employee, category overrides
 Personnel | 8/10 | Time clock, scheduling, time off, payroll export
 
-## 4.2 Missing — High Priority (Add Before Launch)
+## 4.2 Previously Missing — Now Planned (added to domain docs)
 
-Feature | Impact | Notes
-Gift cards / store credits | High | Common customer request. Needs gift_card table, balance tracking, POS redemption.
-Trade-in workflow | High | Huge in music retail. Customer brings used instrument, gets credit toward purchase. Needs appraisal + credit + inventory intake flow.
-Tax exemptions | High | Schools, churches, resellers are core customers. Need tax_exempt flag on account + resale certificate tracking.
-Inventory cycle counts | High | Physical inventory reconciliation. Need count sessions, variance tracking, adjustment audit trail.
-Returns/exchanges workflow | High | Structured beyond just refund transactions. Need RMA, reason codes, return window policies, restocking.
-Purchase orders | Medium | PO generation, receiving against PO, three-way match. stock_receipt is a start but needs formal PO workflow.
+Feature | Planning Doc | Module
+Trade-in workflow | 07_Domain_Sales_POS.md §6 | Core
+Tax exemptions | 02_Domain_Accounts_Customers.md + 07_Domain_Sales_POS.md §8 | Core
+Inventory cycle counts | 03_Domain_Inventory.md §9 | Core
+Returns/exchanges workflow | 07_Domain_Sales_POS.md §7 | Core
+Purchase orders | 03_Domain_Inventory.md §10 | Core
+Product bundles / kits | 03_Domain_Inventory.md §11 | Core
+Barcode label printing | 03_Domain_Inventory.md §12 | Core
+Backorders | 03_Domain_Inventory.md §13 | Core
+In-home trials | 07_Domain_Sales_POS.md §9 | Core
+Instrument sizing | 03_Domain_Inventory.md §8 | Core
+Rental agreement contracts | 04_Domain_Rentals.md §7 | MOD-RENTALS
+Warranty tracking | 06_Domain_Repairs.md §7 | MOD-REPAIRS
+Maintenance schedules | 06_Domain_Repairs.md §8 | MOD-REPAIRS
+Gift cards / store credits | 08_Domain_Payments_Billing.md §8 | MOD-GIFTCARD (premium)
+Layaway / payment plans | 08_Domain_Payments_Billing.md §9 | MOD-LAYAWAY (premium)
 
-## 4.3 Missing — Medium Priority
-
-Feature | Notes
-Layaway / payment plans | Hold item with partial payment, release on full payment
-Product bundles / kits | Instrument + case + accessories at bundle price
-Barcode label printing | Bulk label printing for inventory
-Backorders | Customer order queue for out-of-stock items
-Warranty tracking | Warranty period, claim tracking, extended warranty options
-
-## 4.4 Missing — Lower Priority / Future
+## 4.3 Still Missing — Lower Priority / Future
 
 Feature | Notes
 Customer loyalty / rewards | Point accumulation and redemption
@@ -135,9 +135,7 @@ E-commerce / online store | Product catalog, cart, online payments
 Shipping integration | Carrier APIs, label printing, tracking
 Multi-currency | Exchange rates, currency-specific pricing
 
-## 4.5 Music-Specific Gaps
+## 4.4 Music-Specific Gaps — Remaining
 
 Feature | Notes
-Instrument sizing | 1/4, 1/2, 3/4, full — critical for string instrument rentals. Need size field on product/inventory_unit.
 Rental insurance certificates | Certificate generation for rental instruments. Common parent request.
-Instrument maintenance schedules | Preventive maintenance recommendations and reminders per instrument.