Returning-user greeting shown before the first message: topbar with wellness pill, centered greeting + headline, the larger welcome composer, "Picked for you" starters, and the coach status line.
Aimee
5.7 +0.4
Hi, Josh.
What can I help you with today?
Should I open a Roth IRA?
Picked for you
Cyrus Purnell, CFP® is online · talk to a real coach
Aimee can make mistakes. Please double-check important answers.
Chat turns
User bubble (grey, right-aligned) and Aimee reply (aimee-icon avatar + prose). Body copy and user bubble share the same 16/17px size.
What is my 401(k) match?
Great question — this is one of the easiest wins in your whole plan.
Your employer matches 100% of the first 4% you contribute. On your $70,000 salary, that's up to $2,800 a year in free money. Want me to run your full breakdown?
Action items — hub-action rows
Empty circle + title + status pill + chevron. This is the correct pattern (matches Hub V3). Status pill signals state; suggested items use a dashed border with an Add button instead.
Quick replies answering Aimee's question. Primary chips (gold) are the recommended options; plain chips are secondary. This is the "Want me to start with one?" row from the action-items reply.
Meta chips + dropdowns
Navigation row under a finished reply. Click a chip to open its inline dropdown (Related Questions / Recommended Content / Pending Actions) — the active chip goes dark, and only one opens at a time.
Related questions
What's the difference between debt snowball and avalanche?
Should I prioritize paying down debt or building retirement?
How does my credit score affect refinancing options?
Is debt consolidation right for me?
How much should I have in emergency savings first?
Recommended content
The Debt Blaster Method
5 min · Interactive guide
Guide
Smart Refinancing Decisions
4 min read
Article
Building an Emergency Fund That Sticks
Live workshop · Thu 2pm
Workshop
Pending actions
Find extra money in your budget to pay off debt
Assigned
Find ways to lower interest rates
Assigned
Make sure to rebalance retirement investments
Assigned
Take a look at my debt
In progress
Review your beneficiaries
Assigned
Compare loan refinancing options
Assigned
Update emergency fund target
Assigned
Cards
Left-rail color signals the type: navy = analysis, teal = recommendation, gold = coach handoff. Eyebrow → title → description → content → CTA row (one primary + one ghost).
Analysis card (navy rail)
401(k) snapshot
You're capturing 3 of 4% match
Bump your contribution by 1% to capture the full employer match.
Action needed
Your contribution
3%
−1% vs match
Employer match
$2,100
of $2,800
Left on table
$700
per year
Recommendation card (teal rail)
Smart move
Refinance your auto loan
Your rate is 3.2 points above today's average. Refinancing could save about $210/month.
Coach card (gold rail)
Talk to a coach
This one's worth a conversation
Cyrus Purnell, CFP® can walk you through your student loan options in 20 minutes.
Booking confirmation card
Soft navy-soft fill, no rail — reads as "settled." Confirmed pill is the one place a pill uses solid navy fill.
Coaching session
Cyrus Purnell
Thursday, August 22, 2026 3:00 PM PST
Booked!
Data visualizations
Stat tiles (3-up), compare tiles (today vs. plan), the hero-score gauge, and the highlight pill.
Compare tiles
Today
$1,240/mo
Current auto payment
With refinance
$1,030/mo
Save $210 every month
Hero score gauge
72Score
Financial wellness
Good, trending up
+4 points since your last check-in
Highlight pill
You could save $2,520 this year
Content card — hub resource
Title + category pill + bookmark. Category color maps to type: Coach Insights (teal), Article (yellow), Money Tips (orange). In the SDK widget, clicking one opens the inset article reader.
How the 401(k) Match Works — and Why You Should Always Capture It
Coach Insights
Smart Refinancing Decisions
Article
5 Ways to Free Up Cash This Month
Money Tips
Starter cards (welcome screen)
Divider-separated prompt suggestions shown before the first message. Tinted icon + title + sub-label + chevron on hover.
