diff --git a/docs/ux/category-keywords.csv b/docs/ux/category-keywords.csv
index ed6901a..c73444c 100644
--- a/docs/ux/category-keywords.csv
+++ b/docs/ux/category-keywords.csv
@@ -1,20 +1,28 @@
 keyword,match,default_key,source
+barn,prefix,children,data
+blöjor,token,children,curated
+fritids,token,children,curated
+förskol,prefix,children,data
+leksak,prefix,children,curated
+napp,prefix,children,data
+resevagn,token,children,data
 bio,token,entertainment,data
-bowling,token,entertainment,curated
 entre,token,entertainment,data
 entré,token,entertainment,data
 filmstaden,token,entertainment,curated
-gröna lund,phrase,entertainment,curated
 karaoke,token,entertainment,data
 konsert,prefix,entertainment,data
-liseberg,token,entertainment,curated
 museet,token,entertainment,curated
 museum,token,entertainment,data
 netflix,token,entertainment,curated
 padel,token,entertainment,curated
 spotify,token,entertainment,data
 teater,prefix,entertainment,curated
-viaplay,token,entertainment,curated
+bankavgift,token,fees,curated
+kvarskatt,token,fees,curated
+ränteåterbäring,token,fees,data
+skatt,token,fees,curated
+skatteverket,token,fees,curated
 alkohol,token,groceries,data
 bondens marknad,phrase,groceries,data
 bröd,token,groceries,data
@@ -47,9 +55,7 @@ sjukhus,token,health,curated
 tandläkare,token,health,curated
 tandvård,token,health,curated
 vårdcentral,token,health,curated
-amortering,prefix,home,curated
 bauhaus,token,home,data
-brf,token,home,data
 byggmax,token,home,curated
 clas ohlson,phrase,home,data
 elgiganten,token,home,curated
@@ -57,21 +63,26 @@ färg,token,home,data
 garderob,prefix,home,data
 gardin,prefix,home,data
 hylla,token,home,data
-hyra,token,home,data
 ikea,token,home,data
-jula,token,home,curated
 jysk,token,home,curated
 lamp,prefix,home,data
-lgh,token,home,data
 möbler,token,home,curated
 ohlson,token,home,data
 rusta,token,home,data
-ränta,token,home,data
-barnförsäkring,token,other,data
-förskola,token,other,data
-försäkring,prefix,other,data
-hemförsäkring,token,other,data
-ränteåterbäring,token,other,data
+amortering,prefix,housing,curated
+avgift,token,housing,data
+bolån,token,housing,curated
+brf,token,housing,data
+hyra,token,housing,data
+lgh,token,housing,data
+ränta,token,housing,data
+barnförsäkring,token,insurance,curated
+bilförsäkring,token,insurance,curated
+folksam,token,insurance,curated
+försäkring,prefix,insurance,data
+hemförsäkring,token,insurance,data
+länsförsäkringar,token,insurance,curated
+trygg hansa,phrase,insurance,curated
 bagel,prefix,restaurants,data
 bageri,prefix,restaurants,data
 bar,token,restaurants,curated
@@ -90,38 +101,29 @@ max,token,restaurants,data
 mcdonalds,token,restaurants,curated
 middag,token,restaurants,data
 pizz,prefix,restaurants,data
-pub,token,restaurants,curated
 ramen,token,restaurants,data
 restaurang,prefix,restaurants,curated
 seml,prefix,restaurants,data
 streetfood,token,restaurants,data
 sushi,token,restaurants,data
-takeaway,token,restaurants,curated
 thai,token,restaurants,data
 uber eats,phrase,restaurants,curated
-wolt,token,restaurants,curated
 amazon,token,shopping,curated
 h&m,token,shopping,curated
-intersport,token,shopping,curated
 kappahl,token,shopping,curated
 lindex,token,shopping,curated
 present,prefix,shopping,data
 skor,token,shopping,curated
 stadium,token,shopping,curated
 zalando,token,shopping,curated
-zara,token,shopping,curated
 bensin,token,transport,curated
 bil,token,transport,data
-biltvätt,token,transport,curated
 buss,prefix,transport,curated
-diesel,token,transport,curated
-easypark,token,transport,curated
 flygbuss,token,transport,curated
 färj,prefix,transport,data
 laddning,prefix,transport,data
 okq8,token,transport,curated
 parkering,prefix,transport,data
-pendeltåg,token,transport,curated
 preem,token,transport,curated
 sj,token,transport,curated
 sl,token,transport,curated
@@ -130,7 +132,6 @@ taxi,token,transport,data
 trängselskatt,token,transport,curated
 tåg,token,transport,data
 uber,token,transport,curated
-västtrafik,token,transport,curated
 airbnb,token,travel,data
 boende,token,travel,data
 booking,token,travel,curated
@@ -138,8 +139,6 @@ flyg,token,travel,curated
 hotel,token,travel,data
 hotell,token,travel,data
 sas,token,travel,curated
-scandic,token,travel,curated
-vandrarhem,token,travel,curated
 bredband,token,utilities,curated
 elräkning,token,utilities,curated
 internet,token,utilities,data
diff --git a/docs/ux/category-suggestion.md b/docs/ux/category-suggestion.md
index 72964e7..f53a6a1 100644
--- a/docs/ux/category-suggestion.md
+++ b/docs/ux/category-suggestion.md
@@ -19,12 +19,12 @@ Proposal, 2026-10-18. The owner decided that the expense editor (S-7) fills in t
 Diacritics are kept (å, ä, ö and é stay distinct; the keyword table lists both spellings where it matters). Digits are kept. The **tokens** are the normalised description split on spaces; the **first token** is the first of them. An empty normalised description gives no history or keyword match.
 
 **CS-5 Order.** The suggested category is the first that applies of:
-1. **History, exact:** among the non-deleted expenses on the phone (every account, either user, including imported and recurring ones) whose normalised description equals the normalised typed description, the most recent one's category.
-2. **History, first token:** among the non-deleted expenses whose first token equals the typed description's first token, the most recent one's category.
+1. **History, exact:** among the non-deleted expenses on the phone (every account, either user, including imported and recurring ones) whose normalised description equals the normalised typed description, the category used most often among them; on a tie, the one used most recently.
+2. **History, first token:** among the non-deleted expenses whose first token equals the typed description's first token, the category used most often among them; on a tie, the one used most recently.
 3. **Keywords:** the category of the winning entry of the built-in keyword table (CS-6).
 4. **Default:** the AC-8.6 default (the category last used in the selected account on this phone if still active, else `other`).
 
-"Most recent" is the expense-list order of AC-8.10: `expense_date` descending, then `created_at` descending. A history candidate whose category is archived or deleted is skipped and the next most recent candidate of the same step is tried; when none is left, the next step applies.
+"Used most often" counts the matching expenses per category; "most recently" is the expense-list order of AC-8.10 (`expense_date` descending, then `created_at` descending), applied to the latest expense of each tied category (owner, 2026-10-18: most often, not most recent). Categories that are archived or deleted are left out of the count; when no category is left, the next step applies.
 
 **CS-6 Keyword table.** Each entry has `keyword` (already normalised), `match` and `default_key`. An entry matches when:
 * `token`: some token equals the keyword;
@@ -33,58 +33,64 @@ Diacritics are kept (å, ä, ö and é stay distinct; the keyword table lists bo
 
 When several entries match, the longest keyword (in code points, spaces included) wins; on equal length, the entry earlier in the table wins (the table is sorted by `default_key`, then `keyword`). The winning entry gives the category with that `default_key` (renamed defaults included, since the key stays). If that category is archived, the next matching entry in the same order is tried; when none is left, step 4 applies. The table is fixed data shipped with the app; users do not edit it.
 
-**CS-7 What the user sees.** The suggestion replaces the category shown in the Kategori field and needs no confirmation. While a category comes from step 1, 2 or 3 and the flag of CS-2 is false, a one-line caption under the category field says "Vald utifrån beskrivningen" / "Chosen from the description" (string `expense_editor_category_suggested`); it disappears when the user picks a category by hand or when step 4 applies. Clearing the description returns the field to the step-4 default.
+**CS-7 What the user sees.** The suggestion simply replaces the category shown in the Kategori field: no caption, no marker, no confirmation (owner, 2026-10-18: a wrong guess is corrected with one tap). Clearing the description returns the field to the step-4 default.
 
 ## Evidence
 
-Source: the household's two Splitwise exports, read-only on the owner's Mac. 1 775 expense rows from 2020-11 to 2026-10 (payment rows, blank lines and the total row excluded), mapped to Kvitt categories with the §10.8 table. True categories: groceries 662, home 315, restaurants 301, other 171, entertainment 111, transport 89, utilities 58, travel 35, health 17, shopping 16. 21 rows (1.2 %) had a Swedish Splitwise category name missing from the §10.8 table and count as `other` (see open points).
+Source: the household's two Splitwise exports, read-only on the owner's Mac. 1 775 expense rows from 2020-11 to 2026-10 (payment rows, blank lines and the total row excluded), mapped to the 14 Kvitt categories with the owner's revised import mapping of 2026-10-18 (§10.8 plus Rent, Mortgage, Hyra, Avbetalning/Amortering → `housing`; Insurance, Försäkringar → `insurance`; Childcare, Barnomsorg → `children`; Taxes, Skatter → `fees`; and the nine Swedish names that were missing). No row is unmapped. True categories: groceries 662, restaurants 301, home 164, housing 154, entertainment 113, transport 90, children 73, utilities 61, other 39, travel 37, insurance 26, shopping 19, fees 19, health 17.
 
 Method: chronological simulation. Rows are walked in date order; each row's category is predicted from earlier rows only and compared with its true category. The step-4 default is approximated as the previous row's category in the same file (one file is one account), `other` for the first row.
 
-**History variants alone** (coverage = share of rows with a prediction; accuracy among those):
+**History variants alone** (coverage = share of rows with a prediction; accuracy among those; "most often" breaks ties by most recent):
 
-| Variant | Coverage | Accuracy (most recent) | Accuracy (most frequent) |
+| Variant | Coverage | Most often | Most recent |
 |---|---|---|---|
-| Exact normalised description | 56.2 % | 94.9 % | 95.9 % |
-| First two tokens | 57.2 % | 94.8 % | 95.8 % |
-| First token | 71.5 % | 92.0 % | 93.0 % |
-| Exact, then first token (chosen) | 71.5 % | 92.3 % | 93.2 % |
-| Any shared token of ≥ 3 letters | 79.0 % | 86.2 % | 89.4 % |
-| Any shared token of ≥ 4 letters | 63.7 % | 85.4 % | 88.3 % |
+| Exact normalised description | 56.2 % | 95.6 % | 94.6 % |
+| First two tokens | 57.2 % | 95.5 % | 94.5 % |
+| First token | 71.5 % | 92.6 % | 91.4 % |
+| **Exact, then first token (chosen)** | 71.5 % | **92.8 %** | 91.9 % |
+| Any shared token of ≥ 3 letters | 79.0 % | 89.0 % | 84.8 % |
+| Any shared token of ≥ 4 letters | 63.7 % | 88.0 % | 83.9 % |
 
-Exact-then-first-token keeps the owner's "matching description" literally as step 1 and adds the first token for coverage. "Most frequent" is about one point better but harder to explain; the owner chose most recent. Dropping digit-only tokens changed nothing.
+Exact-then-first-token keeps the owner's "matching description" literally as step 1 and adds the first token for coverage. "Most often" is about one point better than "most recent" in every variant. Dropping digit-only tokens changed nothing.
 
 **Full rule (CS-5, chosen variant, keyword table as committed):**
 
 | Stage | Share of rows | Accuracy |
 |---|---|---|
-| History (exact 998 rows at 94.9 %, first token 272 rows at 82.7 %) | 71.5 % | 92.3 % |
-| Keywords | 7.8 % | 94.2 % |
-| Default (approximated) | 20.7 % | 30.0 % |
-| **Overall** | 100 % | **79.5 %** |
+| History, exact (998 rows) | 56.2 % | 95.6 % |
+| History, first token (272 rows) | 15.3 % | 82.7 % |
+| Keywords (145 rows) | 8.2 % | 92.4 % |
+| Default, approximated (360 rows) | 20.3 % | 28.3 % |
+| **Overall** | 100 % | **79.7 %** |
 
-For comparison: the AC-8.6 default alone 31.9 %; history and default without keywords 74.6 %. Putting keywords before history would give 80.7 %, exact history then keywords then first token 79.9 %; the differences are small, so the owner's order stands.
+For comparison: the AC-8.6 default alone 30.5 %; history and default without keywords 74.7 %; the full rule with "most recent" history 79.0 %.
 
-**Cold start** (keywords and default only, no history): first 10 % of rows (177): keywords cover 78.0 % at 96.4 % accuracy, 85.3 % overall. Over all rows: 72.2 % coverage at 96.7 %. These are in-sample for the `data` entries. An out-of-sample check (keep a `data` entry only if it reaches ≥ 2 rows and ≥ 80 % precision in the first half; test on the second half) gives 58.1 % coverage at 98.4 % accuracy.
+**Cold start** (keywords and default only, no history): first 10 % of rows (177): keywords cover 77.4 % at 95.6 % accuracy, 83.6 % overall. Over all rows: 72.7 % coverage at 96.0 %. These are in-sample for the `data` entries. An out-of-sample check (keep a `data` entry only if it reaches ≥ 2 rows and ≥ 80 % precision in the first half; test on the second half) gives 57.9 % coverage at 97.5 % accuracy.
 
-**Most common wrong suggestions** (suggested → true, full rule, 363 wrong of 1 775; 257 of them at the default step): groceries → restaurants 55, groceries → other 38, restaurants → groceries 35, groceries → home 23, home → other 18, restaurants → other 14, other → groceries 13, other → home 12. History errors are mostly the groceries/restaurants pair on a shared first token such as "mat". Keyword errors (8 in total) are mostly `apotek` (the household filed pharmacy purchases under other as often as under health) and `ikea` (the IKEA restaurant).
+**Most common wrong suggestions** (suggested → true, full rule, 360 wrong of 1 775: 258 at the default step, 91 at history, 11 at keywords): groceries → restaurants 53, restaurants → groceries 30, groceries → home 24, groceries → other 15, groceries → children 14, transport → restaurants 9, housing → home 9, groceries → entertainment 8. History errors are mostly the groceries/restaurants pair on a shared first token such as "mat". Keyword errors are spread thin (`apotek` and `mat` 2 each, the rest 1).
 
-**Keyword table:** 149 entries, 76 `data` and 73 `curated`; 119 `token`, 24 `prefix`, 6 `phrase`.
+**Keyword table:** 148 entries, 79 `data` and 69 `curated`; 114 `token`, 28 `prefix`, 6 `phrase`. No entry maps to `other`.
 
 | `default_key` | data | curated |
 |---|---|---|
 | groceries | 20 | 4 |
-| restaurants | 17 | 11 |
-| home | 14 | 6 |
+| restaurants | 17 | 8 |
+| home | 10 | 4 |
+| housing | 5 | 2 |
 | utilities | 1 | 7 |
-| transport | 6 | 15 |
-| travel | 4 | 5 |
-| entertainment | 7 | 9 |
+| transport | 6 | 10 |
+| travel | 4 | 3 |
+| entertainment | 7 | 5 |
 | health | 1 | 7 |
-| shopping | 1 | 9 |
-| other | 5 | 0 |
+| shopping | 1 | 7 |
+| insurance | 2 | 5 |
+| children | 4 | 3 |
+| fees | 1 | 4 |
 
-`data` entries predicted one category with high precision in the export (most ≥ 90 %, `ikea` 79 %, `apotek` 55 % kept because the meaning is unambiguous). `curated` entries are well-known Swedish chains and services and unambiguous words, absent or rare in the export.
+`data` entries predicted one category with high precision in the export (most ≥ 90 %; `ikea` 79 %, the misses being the IKEA restaurant; `apotek` 55 %, kept because the meaning is unambiguous, the household filed pharmacy purchases under health, children, other and home). `curated` entries are well-known Swedish chains and services and unambiguous words, absent or rare in the export. Two curated entries go against the few rows in the export, by the owner's examples: `barnförsäkring` → insurance (3 rows filed under childcare) and `blöjor` → children (2 of 3 rows filed under groceries).
+
+The five former `other` entries were moved: `försäkring`, `hemförsäkring`, `barnförsäkring` → insurance; `ränteåterbäring` → fees (17 of 18 rows were filed under taxes); `förskola` → children (now the prefix `förskol`). `hyra`, `ränta`, `lgh`, `brf` and `amortering` moved from home to housing, and `avgift` was added (2 of 2 rows housing).
 
 ## Excluded on purpose
 
@@ -93,14 +99,13 @@ Kinds of word left out of the table even when they predicted well:
 * town, city and country names (they predict a trip, not a category);
 * names of single local restaurants, cafés and shops whose identity was unclear;
 * function words and abbreviations (och, till, för, på, mm, etc, o, &);
-* words the household used against their dictionary meaning: `el` (always part of "hyra och el", filed under home), `kläder` (filed under other); and words split between categories: `frukost`, `vin`, `öl`, `blommor`, `brunch`, `cykel`.
+* words the household used against their dictionary meaning: `el` (always part of "hyra och el", filed under housing), `kläder` (filed under childcare in the export; generic clothes belong to shopping); and words split between categories: `frukost`, `vin`, `öl`, `blommor`, `brunch`, `cykel`, `ansiktstvätt`.
 
 ## Open points
 
-1. **`other` entries.** The five `data` entries for `other` (insurance words, ränteåterbäring, förskola) are kept because they beat the default; the brief said the curated set never targets `other`. Drop them if keyword hits should never select Övrigt.
-2. **Missing Swedish Splitwise names in §10.8.** Nine Swedish category names in the export are not in the mapping table (21 rows): Städning, Verktyg - Övrigt, Tjänster, Cykel, Livet - Övrigt, Flyg, Spel, Kläder, Utbildning. By their English equivalents they would map to utilities, utilities ("Utilities - Other"), home, transport, other, travel, entertainment, shopping and other. The importer would count them as unmapped; the history step inherits whatever the import stores.
-3. **Imported history.** After M11 the whole Splitwise history is in Room, so for this household history decides most descriptions from day one; the keyword table matters for new words and after a fresh install.
-4. **Recurring template editor.** Not covered; the same rule could apply to new templates.
-5. **Recency key.** CS-5 uses the list order (`expense_date`). Using `updated_at` instead would let a re-categorised old expense teach the rule; not measurable from the export.
-6. **Where the table lives.** Proposed: `:domain` as data plus a unit test that loads `docs/ux/category-keywords.csv` (or its successor) and checks every keyword is already normalised and unique.
-7. **English keywords.** The table is Swedish plus brand names; English words are not covered.
+1. **Import mapping.** The replay uses the owner's revised mapping (14 categories, nine added Swedish names); SPEC §10.8 and AC-7.2 still list ten categories and must be updated with it.
+2. **Imported history.** After M11 the whole Splitwise history is in Room, so for this household history decides most descriptions from day one; the keyword table matters for new words and after a fresh install.
+3. **Recurring template editor.** Not covered; the same rule could apply to new templates.
+4. **Recency key.** CS-5 breaks ties by list order (`expense_date`). Using `updated_at` instead would let a re-categorised old expense count as recent; not measurable from the export.
+5. **Where the table lives.** Proposed: `:domain` as data plus a unit test that loads `docs/ux/category-keywords.csv` (or its successor) and checks every keyword is already normalised, unique, and maps to an existing `default_key`.
+6. **English keywords.** The table is Swedish plus brand names; English words are not covered.
diff --git a/docs/ux/proposed-decisions.md b/docs/ux/proposed-decisions.md
index 3b8d6b5..131cefe 100644
--- a/docs/ux/proposed-decisions.md
+++ b/docs/ux/proposed-decisions.md
@@ -13,10 +13,15 @@ Every entry has: the owner's answer or the finding, the proposed decision text f
 | Category from the description | **Yes:** the category is auto-selected from the description and the user can still change it. Rule: history first, then a built-in keyword list, then the AC-8.6 default. The keyword list is learned from the household's Splitwise export. |
 | S-1 "Ditt namn" field (partner types the name on S-1 and confirms it on S-2) | **OK** |
 | Swedish wording "Ni är kvitt", "Gör upp", "Du lånade ut / Du lånade", "Inte inblandad" | **Yes** |
+| Muted Kalas (2026-10-18, second round) | **Approved** ("let's go with that for now"). |
+| Mark the suggested category ("Vald utifrån beskrivningen")? | **No:** the category is simply selected; a wrong guess is changed with one tap; simpler UI. |
+| History match: most recent or most often? | **Most often.** |
+| Import granularity | Splitwise's categories are finer than Kvitt's ten defaults (several "Övrigt" under different groups); map them better. "Hemförsäkring" must not end up in Övrigt. |
+| Which new default categories? | **All four proposed:** Boende, Försäkringar, Barn, Avgifter & skatter. |
 
 ## UX-1 Direction: Kalas, muted
 
-* **Decision:** the app's visual direction is U1's direction 3 "Kalas" (cards, very round shapes, a solid category-colour tile on every expense, the seesaw balance), with a muted palette (status: being revised; see `directions/3-kalas/`). Typeface per D-020 (Material 3 default, Roboto); Kalas's preview font Nunito is dropped.
+* **Decision:** the app's visual direction is U1's direction 3 "Kalas" (cards, very round shapes, a solid category-colour tile on every expense, the seesaw balance), with the muted palette of `directions/3-kalas/` (owner approved 2026-10-18). Typeface per D-020 (Material 3 default, Roboto); Kalas's preview font Nunito is dropped.
 * **Why:** owner's pick; muted because bright colours tire over years of daily use.
 * **Spec:** none beyond UX-5 (category colours). U2's `design-spec.md` carries the tokens.
 
@@ -27,22 +32,67 @@ Every entry has: the owner's answer or the finding, the proposed decision text f
 
 ## UX-3 Category suggested from the description
 
-* **Decision (owner, 2026-10-18):** for a new expense, the editor selects a category from the description as the user types, while the user has not picked a category by hand in this editor session: (1) history match, (2) built-in keyword list, (3) the AC-8.6 default. The user can always change it. Editing an existing expense never changes its category automatically.
+* **Decision (owner, 2026-10-18):** for a new expense, the editor selects a category from the description as the user types, while the user has not picked a category by hand in this editor session: (1) history match, the category used **most often** among matching expenses, (2) built-in keyword list, (3) the AC-8.6 default. The selected category is not marked as a suggestion (no caption); the user changes it with one tap. Editing an existing expense never changes its category automatically.
 * **Why:** most expenses repeat the same shops; fewer taps in the ten-second flow (§13.1).
-* **Evidence** (chronological replay of the household's 1 775 Splitwise expenses, aggregates only, `category-suggestion.md`): history step right 92.3 % of the time and used for 71.5 % of rows; keyword step 94.2 % on 7.8 %; overall 79.5 % correct versus 31.9 % for today's AC-8.6 default alone. At cold start (no history) keywords fire on 78 % of rows and are right 96 % of the time.
+* **Evidence** (chronological replay of the household's 1 775 Splitwise expenses with the 14 categories of UX-8 and the mapping of UX-7, aggregates only, `category-suggestion.md`): history step ("most often") used for 71.5 % of rows and right 92.8 % of the time; keyword step 92.4 % on 8.2 %; overall **79.7 %** correct versus 30.5 % for today's AC-8.6 default alone ("most recent" would give 79.0 %). Cold start (no history): keywords fire on 77 % of rows and are right 96 % of the time.
 * **Spec changes:**
   * AC-8.6: the category default becomes "the suggestion of §9.11, which falls back to the current rule".
   * New §9.11 "Category suggestion": the text CS-1 to CS-7 of `category-suggestion.md`.
-  * New contract file `contracts/category-keywords.csv` (columns `keyword,match,default_key,source`; draft `docs/ux/category-keywords.csv`, 149 entries), listed in §14.8.
+  * New contract file `contracts/category-keywords.csv` (columns `keyword,match,default_key,source`; draft `docs/ux/category-keywords.csv`, 148 entries, none mapping to `other`), listed in §14.8.
   * §14.2.4: `ExpenseRepository` gains `suspend fun suggestCategory(accountId: AccountId?, description: String): CategoryId?` (computed in `:data` from Room and the keyword table; the editor calls it on description and account changes while the category was not picked by hand).
   * §14.5: a pure Kotlin function `suggestCategory(description, history, keywords, activeCategories, fallback)` in `:domain` with test vectors (Kotlin only, like analytics).
-  * `strings.csv`: `expense_editor_category_suggested` "Vald utifrån beskrivningen" / "Chosen from the description".
-* **Open points** (owner, low stakes; defaults in brackets): keep the five keywords that pick Övrigt, e.g. insurance words [keep]; "most recent" vs "most frequent" history match, the latter about one point better [most recent, as chosen].
 
-## UX-7 §10.8 misses nine Swedish Splitwise category names
+## UX-7 Finer Splitwise import mapping (§10.8)
 
-* **Finding** (from the export analysis): 21 rows use Swedish Splitwise category names that the §10.8 mapping table lacks: Utbildning (4), Tjänster (3), Livet - Övrigt (3), Kläder (3), Städning (2), Flyg (2), Spel (2), Verktyg - Övrigt (1), Cykel (1). They would import as `other` with a warning.
-* **Proposed decision:** add them to the §10.8 table and `server/crates/kvitt-import/data/splitwise_categories.csv` by their English equivalents: Utbildning → other, Tjänster → home, Livet - Övrigt → other, Kläder → shopping, Städning → utilities, Flyg → travel, Spel → entertainment, Verktyg - Övrigt → utilities, Cykel → transport. (Needed by M9.)
+* **Finding** (export analysis): 21 rows use Swedish Splitwise category names that the §10.8 table lacks (Utbildning 4, Tjänster 3, Livet - Övrigt 3, Kläder 3, Städning 2, Flyg 2, Spel 2, Verktyg - Övrigt 1, Cykel 1); and §10.8 collapses Splitwise's finer categories, so e.g. Försäkringar (26 rows), Barnomsorg (73) and Skatter (19) land in `other` and Hyra (106) and Avbetalning/Amortering (48) in `home`.
+* **Decision (owner, 2026-10-18):** map Splitwise categories as finely as Kvitt's categories allow, with the four new defaults of UX-8.
+* **Spec:** the §10.8 table and `server/crates/kvitt-import/data/splitwise_categories.csv` become:
+
+| Splitwise category (English) | Splitwise category (Swedish) | Kvitt `default_key` |
+|---|---|---|
+| Groceries, Food and drink - Other, Liquor | Livsmedel, Mat och dryck - Övrigt, Alkohol | `groceries` |
+| Dining out | Restaurangbesök | `restaurants` |
+| Rent, Mortgage | Hyra, Avbetalning/Amortering | `housing` |
+| Electronics, Furniture, Household supplies, Maintenance, Services, Pets, Home - Other | Elektronik, Möbler, Förbrukningsvaror, Skötsel/underhåll, Tjänster, Husdjur, Hem - Övrigt | `home` |
+| Electricity, Heat/gas, Water, Trash, TV/Phone/Internet, Cleaning, Utilities - Other | El, Värme/gas, Vatten, Sophämtning, TV/telefon/internet, Städning, Verktyg - Övrigt | `utilities` |
+| Insurance | Försäkringar | `insurance` |
+| Bicycle, Bus/train, Car, Gas/fuel, Parking, Taxi, Transportation - Other | Cykel, Buss/tåg, Bil, Bensin/bränsle, Parkering, Taxi, Transport - Övrigt | `transport` |
+| Hotel, Plane | Hotell, Flyg | `travel` |
+| Games, Movies, Music, Sports, Entertainment - Other | Spel, Filmer, Musik, Sport, Underhållning - Övrigt | `entertainment` |
+| Medical expenses | Sjukvård/medicin | `health` |
+| Childcare | Barnomsorg | `children` |
+| Clothing, Gifts | Kläder, Presenter | `shopping` |
+| Taxes | Skatter | `fees` |
+| General, Education, Life - Other, Other | Allmänt, Utbildning, Livet - Övrigt | `other` |
+| any other value | any other value | `other`, counted as unmapped |
+
+  Swedish names not seen in the export (El, Värme/gas, Vatten, Sophämtning, Husdjur) are Splitwise's Swedish labels by analogy and must be checked against Splitwise before M9 relies on them; an unseen name simply stays unmapped.
+
+## UX-8 Four new default categories
+
+* **Decision (owner, 2026-10-18):** Kvitt seeds 14 default categories instead of 10. New: Boende, Försäkringar, Barn, Avgifter & skatter. Hem keeps furniture, supplies, maintenance, electronics and services; rent and mortgage move to Boende.
+* **Why:** the household's history shows these as separate, large groups (Hyra + Amortering 154 rows, Barnomsorg 73, Försäkringar 26, Skatter 19) that were collapsed into Hem and Övrigt; separate categories make analytics and the category suggestion meaningful.
+* **Spec (AC-7.2 table, full new list in sort order; new rows in bold):**
+
+| `default_key` | English name | Swedish name | `icon` | `color` | `sort_order` |
+|---|---|---|---|---|---|
+| `groceries` | Groceries | Mat & hushåll | `shopping_cart` | `green` | 10 |
+| `restaurants` | Restaurants | Restaurang & café | `restaurant` | `orange` | 20 |
+| **`housing`** | **Housing** | **Boende** | **`key`** | **`indigo`** | **25** |
+| `home` | Home | Hem | `home` | `brown` | 30 |
+| `utilities` | Utilities | Räkningar | `bolt` | `yellow` | 40 |
+| **`insurance`** | **Insurance** | **Försäkringar** | **`shield`** | **new token (UX-5)** | **45** |
+| `transport` | Transport | Transport | `directions_car` | `blue` | 50 |
+| `travel` | Travel | Resor | `flight` | `teal` | 60 |
+| `entertainment` | Entertainment | Nöje | `movie` | `purple` | 70 |
+| `health` | Health | Hälsa | `medical_services` | `red` | 80 |
+| **`children`** | **Children** | **Barn** | **`child_care`** | **`lime`** | **85** |
+| `shopping` | Shopping | Shopping | `shopping_bag` | `pink` | 90 |
+| **`fees`** | **Fees & taxes** | **Avgifter & skatter** | **`account_balance`** | **new token (UX-5)** | **95** |
+| `other` | Other | Övrigt | `category` | `grey` | 100 |
+
+* **Contract consequences** (one landing, numbered by the docs agent): AC-7.2 table; §9.7 icon set gains `key`, `shield`, `account_balance` (33 tokens) and the colour set gains two tokens (UX-5); §14.1 seed rows with four new fixed ids and a server schema **migration to version 2** inserting them (existing databases, including the development stack, get them on upgrade); `DefaultCategoryKey` and `ColorToken` in §14.2.4 gain the new values and `CategoryIcons.ALL` the new icons; the OpenAPI enums; default-name strings in both languages (`strings.csv`); test vectors that enumerate categories, if any. The Room schema is unchanged (category rows arrive through sync).
+* **Order matters for existing milestones:** M3 (server) and M5 (`:data`) already landed with ten defaults, so this is a contract change against code on `main`, not only the spec.
 
 ## UX-4 S-1 asks for the display name
 
@@ -53,7 +103,7 @@ Every entry has: the owner's answer or the finding, the proposed decision text f
 ## UX-5 Category colour values (§9.7)
 
 * **Finding:** several provisional §9.7 values fail contrast as icon colours on tinted containers (light orange, yellow, lime).
-* **Decision:** replace the §9.7 hex values with the muted Kalas values (pending; filled in when the revision is approved). Token names unchanged.
+* **Decision:** replace the §9.7 hex values with the muted Kalas values, and add two colour tokens for the new categories of UX-8 (values and names from the Kalas revision in progress; filled in when it reports). Existing token names unchanged.
 * **Spec:** §9.7 table values.
 
 ## UX-6 Smaller UX rules found during U1 (no owner question needed)
@@ -69,5 +119,6 @@ Every entry has: the owner's answer or the finding, the proposed decision text f
 ## Status
 
 * U1: delivered (`d27f92e` rebased on `main`), direction picked.
-* Done: muted Kalas revision (`directions/3-kalas/`, awaiting the owner's look); keyword list and suggestion analysis (`category-keywords.csv`, `category-suggestion.md`).
-* Next: owner approves the muted palette → U2 `design-spec.md`, renamed `strings.csv`, per-screen PNGs, and the final values for UX-3 and UX-5.
+* Done: muted Kalas revision (approved); keyword list and replay for 14 categories and "most often".
+* In progress: Kalas mocks with the 14 categories and two new colour tokens; 
+* Next: owner approves the muted palette → U2 `design-spec.md`, renamed `strings.csv`, per-screen PNGs, and the final values for UX-3, UX-5 and UX-8.