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+# Settings Persistence Pattern (ShopProQuote)
+
+## Architecture
+
+Settings live in two places:
+1. **localStorage** (`spq-settings` key) — always available, even without login
+2. **PocketBase** `settings` collection — per-user JSON field (`data` field), only when logged in
+
+## Loading order (Settings.tsx init)
+
+1. `loadLocalSettings()` → reads localStorage, spreads over DEFAULT_SETTINGS
+2. If logged in, fetch PB record → spread `{ ...DEFAULT_SETTINGS, ...data }` over the stored `data` JSON field
+3. `saveLocalSettings(merged)` — overwrites localStorage with PB data so next load uses it
+
+## Saving
+
+- `updateSetting(key, value)` — updates local state + immediately writes to localStorage
+- `saveAllSettings()` — saves to PocketBase (if logged in) + localStorage
+
+## Type: ShopSettings (src/types.ts)
+
+```typescript
+export interface ShopSettings {
+  businessName: string;
+  businessAddress: string;
+  businessPhone: string;
+  serviceAdvisor: string;
+  taxRate: number;
+  taxLabel: string;
+  shopChargeRate: number;
+  shopChargeExplanation: string;
+  headerMessage: string;
+  footerMessage: string;
+  quoteFooterNote: string;
+
+  // PDF & Branding
+  logoUrl?: string;
+  showLogoOnPdf: boolean;
+  quoteExpiryDays: number;
+  quoteNumberPrefix: string;
+  pdfAccentColor: string;
+
+  // Business Ops
+  businessHours?: string;
+  defaultLaborRate: number;
+  paymentTerms: string;
+}
+```
+
+## DEFAULT_SETTINGS lives in two places
+
+Both MUST stay in sync:
+- `src/pages/Settings.tsx` (the settings UI uses this)
+- `src/pages/QuoteGenerator.tsx` (the PDF generator's `loadSettings()` fallback)
+
+When adding a new setting: add to types.ts → add to both DEFAULT_SETTINGS → add UI field → add to pdf.ts usage.