diff --git a/frontend/src/components/agents/ResearchReportRenderer.tsx b/frontend/src/components/agents/ResearchReportRenderer.tsx
index 2c92f4e..75e1c5f 100644
--- a/frontend/src/components/agents/ResearchReportRenderer.tsx
+++ b/frontend/src/components/agents/ResearchReportRenderer.tsx
@@ -1,4 +1,4 @@
-import React from 'react';
+import React, { useMemo, useState, useEffect, useRef } from 'react';
 import { useTranslation } from 'react-i18next';
 import ReactMarkdown from 'react-markdown';
 import remarkGfm from 'remark-gfm';
@@ -14,9 +14,57 @@ interface Props {
   searchQuery?: string;
 }
 
+interface Heading {
+  level: number;
+  text: string;
+  id: string;
+}
+
 const ResearchReportRenderer: React.FC<Props> = ({ result }) => {
   const { t } = useTranslation();
   const markdown = getMarkdown(result);
+  const [headings, setHeadings] = useState<Heading[]>([]);
+  const contentRef = useRef<HTMLDivElement>(null);
+
+  useEffect(() => {
+    if (!contentRef.current) return;
+
+    const headingElements = contentRef.current.querySelectorAll('h1, h2, h3, h4, h5, h6');
+    const headingList: Heading[] = [];
+    let h2Count = 0;
+    let h3Count = 0;
+
+    headingElements.forEach((heading, idx) => {
+      const level = parseInt(heading.tagName[1]);
+      const text = heading.textContent || '';
+      const id = `heading-${idx}`;
+
+      if (level === 2) {
+        h2Count++;
+        h3Count = 0;
+        heading.textContent = `${h2Count}. ${text}`;
+      } else if (level === 3) {
+        h3Count++;
+        heading.textContent = `${h2Count}.${h3Count} ${text}`;
+      }
+
+      heading.id = id;
+      heading.classList.add('report-heading');
+
+      const link = document.createElement('a');
+      link.href = `#${id}`;
+      link.className = 'heading-anchor';
+      link.setAttribute('aria-label', `Link to ${text}`);
+      link.innerHTML = '🔗';
+      heading.appendChild(link);
+
+      if (level <= 3) {
+        headingList.push({ level, text, id });
+      }
+    });
+
+    setHeadings(headingList);
+  }, [markdown]);
 
   if (!markdown) {
     return (
diff --git a/frontend/src/components/wallet/PaymentChart.tsx b/frontend/src/components/wallet/PaymentChart.tsx
index 2ed2b42..de9496b 100644
--- a/frontend/src/components/wallet/PaymentChart.tsx
+++ b/frontend/src/components/wallet/PaymentChart.tsx
@@ -1,4 +1,4 @@
-import { useMemo } from 'react'
+import { useMemo, useState } from 'react'
 import { useTranslation } from 'react-i18next'
 import {
   ResponsiveContainer, BarChart, Bar, XAxis, YAxis, CartesianGrid, Tooltip,
@@ -7,6 +7,7 @@ import {
 import type { TransactionEvent } from '../../hooks/useTransactionHistory'
 import { aggregateDailySpend, aggregateByCounterparty } from '../../hooks/useTransactionHistory'
 import { formatDate } from '../../utils/format'
+import { useTheme } from '../../hooks/useTheme'
 import styles from './PaymentChart.module.css'
 import { AccessibleChart } from '../common/AccessibleChart'
 
@@ -27,6 +28,12 @@ interface AgentSpendSlicePayload {
 
 export function PaymentChart({ transactions }: PaymentChartProps) {
   const { t, i18n } = useTranslation()
+  const { effectiveTheme } = useTheme()
+  const [legendOpen, setLegendOpen] = useState(true)
+
+  const SLICE_COLORS = effectiveTheme === 'dark' ? DARK_COLORS : LIGHT_COLORS
+  const gridStroke = effectiveTheme === 'dark' ? 'var(--border-color)' : '#e6e9ee'
+  const textColor = effectiveTheme === 'dark' ? '#f8fafc' : '#0A0E14'
 
   const dailySpend = useMemo(() => aggregateDailySpend(transactions, 30), [transactions])
   const byAgent = useMemo(() => aggregateByCounterparty(transactions), [transactions])
@@ -41,17 +48,23 @@ export function PaymentChart({ transactions }: PaymentChartProps) {
         {hasDailySpend ? (
           <ResponsiveContainer width="100%" height={220}>
             <BarChart data={dailySpend} margin={{ top: 8, right: 8, left: 0, bottom: 0 }}>
-              <CartesianGrid strokeDasharray="3 3" vertical={false} stroke="var(--border-color)" />
+              <CartesianGrid strokeDasharray="3 3" vertical={false} stroke={gridStroke} />
               <XAxis
                 dataKey="date"
                 tickFormatter={(value: string) => formatDate(value, i18n.language).slice(0, 5)}
-                tick={{ fontSize: 11 }}
+                tick={{ fontSize: 11, fill: textColor }}
                 interval={4}
               />
-              <YAxis tick={{ fontSize: 11 }} width={40} />
+              <YAxis tick={{ fontSize: 11, fill: textColor }} width={40} />
               <Tooltip
                 formatter={(value: number) => [`${value.toFixed(7)} XLM`, t('wallet.chart.spent')]}
                 labelFormatter={(value: string) => formatDate(value, i18n.language)}
+                contentStyle={{
+                  backgroundColor: effectiveTheme === 'dark' ? '#1A1F2E' : '#F8FAFC',
+                  border: `1px solid ${effectiveTheme === 'dark' ? '#2A3040' : '#E6E9EE'}`,
+                  borderRadius: '8px',
+                  color: textColor,
+                }}
               />
               <Bar dataKey="total" fill="var(--accent-secondary)" radius={[4, 4, 0, 0]} />
             </BarChart>
@@ -62,7 +75,22 @@ export function PaymentChart({ transactions }: PaymentChartProps) {
       </div>
 
       <div className={styles.chartCard}>
-        <h3 className={styles.heading}>{t('wallet.chart.byAgentHeading')}</h3>
+        <div style={{ display: 'flex', justifyContent: 'space-between', alignItems: 'center', marginBottom: '12px' }}>
+          <h3 className={styles.heading}>{t('wallet.chart.byAgentHeading')}</h3>
+          <button
+            onClick={() => setLegendOpen(!legendOpen)}
+            style={{
+              background: 'none',
+              border: 'none',
+              color: 'var(--text-secondary)',
+              cursor: 'pointer',
+              fontSize: '0.9rem',
+              padding: '4px 8px',
+            }}
+          >
+            {legendOpen ? '▼' : '▶'} Legend
+          </button>
+        </div>
         {hasBreakdown ? (
           <AccessibleChart
             label={t('wallet.chart.byAgentHeading')}
diff --git a/frontend/src/hooks/useScrollRestoration.ts b/frontend/src/hooks/useScrollRestoration.ts
new file mode 100644
index 0000000..82b09f7
--- /dev/null
+++ b/frontend/src/hooks/useScrollRestoration.ts
@@ -0,0 +1,35 @@
+import { useEffect, useRef } from 'react'
+import { useLocation } from 'react-router-dom'
+
+export const useScrollRestoration = () => {
+  const location = useLocation()
+  const scrollPositions = useRef<Record<string, number>>({})
+
+  useEffect(() => {
+    const key = location.pathname + location.search
+    const scrollContainer = document.querySelector('.main-content')
+
+    if (scrollContainer) {
+      if (scrollPositions.current[key] !== undefined) {
+        setTimeout(() => {
+          scrollContainer.scrollTop = scrollPositions.current[key]
+        }, 0)
+      } else {
+        scrollContainer.scrollTop = 0
+      }
+    }
+
+    return () => {
+      if (scrollContainer) {
+        scrollPositions.current[key] = scrollContainer.scrollTop
+      }
+    }
+  }, [location])
+
+  useEffect(() => {
+    const main = document.querySelector('main') || document.querySelector('[role="main"]')
+    if (main) {
+      main.focus()
+    }
+  }, [location.pathname])
+}
diff --git a/frontend/src/styles/global.css b/frontend/src/styles/global.css
index 7085fb7..9925a1b 100644
--- a/frontend/src/styles/global.css
+++ b/frontend/src/styles/global.css
@@ -1,6 +1,7 @@
 @import './tokens.css';
 @import './animations.css';
 @import './micro-interactions.css';
+@import './report.css';
 
 @tailwind base;
 @tailwind components;
diff --git a/frontend/src/styles/micro-interactions.css b/frontend/src/styles/micro-interactions.css
index 4a87bf7..ec5f0cf 100644
--- a/frontend/src/styles/micro-interactions.css
+++ b/frontend/src/styles/micro-interactions.css
@@ -50,7 +50,112 @@
   transition-duration: 500ms;
 }
 
+/* Button press/tap ripple animation */
+.btn-ripple {
+  position: relative;
+  overflow: hidden;
+}
+
+.btn-ripple::before {
+  content: '';
+  position: absolute;
+  top: 50%;
+  left: 50%;
+  width: 0;
+  height: 0;
+  border-radius: 50%;
+  background: rgba(255, 255, 255, 0.5);
+  transform: translate(-50%, -50%);
+  pointer-events: none;
+}
+
+.btn-ripple:active::before {
+  animation: ripple 0.6s ease-out;
+}
+
+@keyframes ripple {
+  to {
+    width: 300px;
+    height: 300px;
+    opacity: 0;
+  }
+}
+
+/* Card hover lift with refined shadow */
+.card-interactive {
+  transition: transform 300ms cubic-bezier(0.34, 1.56, 0.64, 1),
+              box-shadow 300ms ease;
+  cursor: pointer;
+}
+
+.card-interactive:hover,
+.card-interactive:focus-within {
+  transform: translateY(-8px);
+  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.3);
+}
+
+/* Navigation link underline grow effect */
+.nav-link {
+  position: relative;
+  text-decoration: none;
+  color: var(--text-secondary);
+  transition: color 300ms ease;
+}
+
+.nav-link::after {
+  content: '';
+  position: absolute;
+  bottom: -2px;
+  left: 0;
+  width: 0;
+  height: 2px;
+  background: var(--accent-cyan);
+  transition: width 300ms ease;
+}
+
+.nav-link:hover::after,
+.nav-link:focus-visible::after {
+  width: 100%;
+}
+
+.nav-link:hover,
+.nav-link:focus-visible {
+  color: var(--accent-cyan);
+}
+
+/* Press scale for primary CTAs */
+.btn-primary {
+  transition: transform 100ms cubic-bezier(0.34, 1.56, 0.64, 1);
+}
+
+.btn-primary:active {
+  transform: scale(0.98);
+}
+
 @media (prefers-reduced-motion: reduce) {
+  .btn-ripple::before {
+    display: none;
+  }
+
+  .btn-ripple:active::before {
+    animation: none;
+  }
+
+  .card-interactive,
+  .nav-link::after,
+  .btn-primary {
+    transition: none !important;
+  }
+
+  .card-interactive:hover,
+  .card-interactive:focus-within {
+    transform: none;
+  }
+
+  .btn-primary:active {
+    transform: none;
+  }
+
   .hover-lift,
   .hover-glow,
   .hover-scale,
diff --git a/frontend/src/styles/report.css b/frontend/src/styles/report.css
new file mode 100644
index 0000000..20885c1
--- /dev/null
+++ b/frontend/src/styles/report.css
@@ -0,0 +1,92 @@
+/* Report heading and TOC styles */
+
+.report-heading {
+  scroll-margin-top: 80px;
+  position: relative;
+  padding-right: 28px;
+}
+
+.heading-anchor {
+  position: absolute;
+  right: 0;
+  opacity: 0;
+  transition: opacity 200ms ease;
+  text-decoration: none;
+  font-size: 0.9em;
+  padding: 4px 8px;
+  border-radius: 4px;
+}
+
+.report-heading:hover .heading-anchor {
+  opacity: 1;
+}
+
+.heading-anchor:hover {
+  background: var(--accent-cyan);
+  color: var(--bg-primary);
+}
+
+.toc-sidebar {
+  scrollbar-width: thin;
+  scrollbar-color: var(--border-color) transparent;
+}
+
+.toc-sidebar::-webkit-scrollbar {
+  width: 6px;
+}
+
+.toc-sidebar::-webkit-scrollbar-track {
+  background: transparent;
+}
+
+.toc-sidebar::-webkit-scrollbar-thumb {
+  background: var(--border-color);
+  border-radius: 3px;
+}
+
+.toc-sidebar::-webkit-scrollbar-thumb:hover {
+  background: var(--text-secondary);
+}
+
+/* Print styles */
+@media print {
+  .toc-sidebar {
+    display: none;
+  }
+
+  .report-heading {
+    padding-right: 0;
+    break-after: avoid;
+  }
+
+  .heading-anchor {
+    display: none;
+  }
+
+  .markdown-body {
+    font-size: 12pt;
+    line-height: 1.6;
+  }
+
+  .markdown-body h1,
+  .markdown-body h2,
+  .markdown-body h3,
+  .markdown-body h4,
+  .markdown-body h5,
+  .markdown-body h6 {
+    break-after: avoid;
+    page-break-after: avoid;
+  }
+
+  .markdown-body p {
+    orphans: 3;
+    widows: 3;
+  }
+}
+
+/* Mobile responsive for TOC */
+@media (max-width: 1024px) {
+  .toc-sidebar {
+    display: none;
+  }
+}