diff --git a/.gitignore b/.gitignore
index 0d8f237..7e591f7 100644
--- a/.gitignore
+++ b/.gitignore
@@ -78,6 +78,7 @@ REFACTORING.md
 TODO.md
 NEXT.md
 test_stripe.go
+REFACTOR_PLAN.md
 
 
 codebase_graph.html
diff --git a/REFACTOR_PLAN.md b/REFACTOR_PLAN.md
deleted file mode 100644
index c123067..0000000
--- a/REFACTOR_PLAN.md
+++ /dev/null
@@ -1,150 +0,0 @@
-# Refactor: Extract Flat Model State into Nested Page Structs
-
-## Context
-
-The TUI's `Model` struct has 40+ flat fields for page-specific state (cursors, viewports, form pointers, booleans). The reference implementation (`terminal-shop-source`) uses nested per-page state structs, which keeps related state grouped, simplifies page transitions, and makes it easier to add new pages. The `shopState` struct already follows this pattern — this refactor extends it to all other pages.
-
-This is a **pure refactoring** — no new features, no behavior changes. It unblocks future work (product variants, profile editing) by making the Model manageable.
-
----
-
-## New Struct Definitions (all in `model.go`)
-
-### `splashState` (3 fields, from Model)
-| Old Field | New Field |
-|-----------|-----------|
-| `splashDataReady` | `splash.dataReady` |
-| `splashDelayDone` | `splash.delayDone` |
-| `splashCursor` | `splash.cursor` |
-
-### `cartState` (3 fields, new struct)
-| Old Field | New Field |
-|-----------|-----------|
-| `CartCursor` | `cart.cursor` |
-| `cartVP` | `cart.viewport` |
-| `cartVPReady` | `cart.viewportReady` |
-
-### `shippingState` (5 fields, new struct)
-| Old Field | New Field |
-|-----------|-----------|
-| `ShippingForm` | `shipping.form` |
-| `ShippingView` | `shipping.view` |
-| `AddressCursor` | `shipping.addressCursor` |
-| `shippingVP` | `shipping.viewport` |
-| `shippingVPReady` | `shipping.viewportReady` |
-
-### `paymentState` (7 fields, new struct)
-| Old Field | New Field |
-|-----------|-----------|
-| `PaymentForm` | `payment.form` |
-| `PaymentView` | `payment.view` |
-| `CardCursor` | `payment.cardCursor` |
-| `CollectURL` | `payment.collectURL` |
-| `CollectCardCount` | `payment.collectCardCount` |
-| `paymentVP` | `payment.viewport` |
-| `paymentVPReady` | `payment.viewportReady` |
-
-### `accountState` (14 fields, new struct)
-| Old Field | New Field |
-|-----------|-----------|
-| `AccountCursor` | `account.cursor` |
-| `ScrollOffset` | `account.scrollOffset` |
-| `OrderViewState` | `account.orderViewState` |
-| `OrderCursor` | `account.orderCursor` |
-| `FaqFocused` | `account.faqFocused` |
-| `AddressListFocused` | `account.addressListFocused` |
-| `CardListFocused` | `account.cardListFocused` |
-| `AccountAddressCursor` | `account.addressCursor` |
-| `AccountCardCursor` | `account.cardCursor` |
-| `AccountAddressDeleting` | `account.addressDeleting` |
-| `AccountCardDeleting` | `account.cardDeleting` |
-| `SSHKeyListFocused` | `account.sshKeyListFocused` |
-| `AccountSSHKeyCursor` | `account.sshKeyCursor` |
-| `AccountSSHKeyDeleting` | `account.sshKeyDeleting` |
-
-### `reviewState` (2 fields, new struct)
-| Old Field | New Field |
-|-----------|-----------|
-| `CardJustAdded` | `review.cardJustAdded` |
-| `ReviewSuccess` | `review.success` |
-
-### `confirmState` (5 fields, new struct)
-| Old Field | New Field |
-|-----------|-----------|
-| `ConfirmTotal` | `confirm.total` |
-| `ConfirmItems` | `confirm.items` |
-| `ConfirmShipping` | `confirm.shipping` |
-| `confirmVP` | `confirm.viewport` |
-| `confirmVPReady` | `confirm.viewportReady` |
-
-### Fields that STAY on Model (shared across pages)
-`Cart`, `Coffees`, `SavedAddresses`, `SavedCards`, `SSHKeys`, `Orders`, `OrdersLoaded`, `SSHKeysLoaded`, `FAQs`, `ShippingInfo`, `SelectedCard`, `CheckingOut`, `lastCartUpdateID`, `User`, `AccessToken`, `APIClient`, `ErrorMsg`, `Loading`, all layout/resize/auth/rendering fields.
-
----
-
-## Execution Order (one struct at a time, compile+test after each)
-
-### Phase 1: `splashState` (simplest — 3 fields, 3 files)
-- Files: `model.go`, `update.go`, `splash.go`
-
-### Phase 2: `cartState` (3 fields, 3 files)
-- Files: `model.go`, `cart.go`, `confirmation.go` (resets cart cursor after checkout)
-
-### Phase 3: `confirmState` (5 fields, 1 file)
-- Files: `model.go`, `confirmation.go`
-
-### Phase 4: `reviewState` (2 fields, 2 files)
-- Files: `model.go`, `confirmation.go`, `payment_form.go`
-
-### Phase 5: `shippingState` (5 fields, 4 files)
-- Files: `model.go`, `shipping_form.go`, `update.go`, `footer.go`
-
-### Phase 6: `paymentState` (7 fields, 4 files)
-- Files: `model.go`, `payment_form.go`, `update.go`, `footer.go`
-
-### Phase 7: `accountState` (14 fields, 5 files — largest change)
-- Files: `model.go`, `account.go`, `views.go`, `footer.go`, `update.go`
-- Note: `ScrollOffset` moves here. All other pages use viewports, so the generic scroll block in `views.go` becomes account-only.
-
-### Phase 8: Add `*Switch()` methods + remove `resetPageState()`
-- Add `ShopSwitch()`, `CartSwitch()`, `AccountSwitch()`, `ShippingSwitch()`, `PaymentSwitch()`, `ReviewSwitch()` to `model.go`
-- Each calls `SwitchPage()`, zero-initializes its page state (`m.cart = cartState{}`), updates viewport
-- Replace `SwitchPage(X).resetPageState()` calls in `update.go`, `menu.go`, `confirmation.go`
-- Delete `resetPageState()`
-
----
-
-## Files Modified (summary)
-
-| File | Scope of Changes |
-|------|-----------------|
-| `pkg/tui/model.go` | Define structs, remove flat fields, add Switch methods, delete `resetPageState()` |
-| `pkg/tui/update.go` | Rename all field accesses, replace `SwitchPage().resetPageState()` with `*Switch()` |
-| `pkg/tui/cart.go` | `m.CartCursor` -> `m.cart.cursor`, viewport fields |
-| `pkg/tui/account.go` | 14 field renames to `m.account.*` |
-| `pkg/tui/shipping_form.go` | `m.ShippingForm` -> `m.shipping.form`, viewport/cursor fields |
-| `pkg/tui/payment_form.go` | `m.PaymentForm` -> `m.payment.form`, viewport/cursor fields |
-| `pkg/tui/confirmation.go` | confirm + review + cart cursor field renames |
-| `pkg/tui/views.go` | `m.ScrollOffset` -> `m.account.scrollOffset`, account field refs |
-| `pkg/tui/footer.go` | Multiple field renames for page-state reads |
-| `pkg/tui/menu.go` | Replace `SwitchPage().resetPageState()` with `*Switch()` |
-| `pkg/tui/splash.go` | `m.splashCursor` -> `m.splash.cursor` |
-| `pkg/tui/header.go` | No changes |
-| `pkg/tui/breadcrumbs.go` | No changes |
-| `pkg/tui/help.go` | No changes |
-| `pkg/tui/faq.go` | No changes |
-
----
-
-## Verification
-
-After each phase:
-1. `go build ./...` — must compile
-2. `go test ./pkg/tui/...` — existing tests pass
-3. After all phases complete, manual test:
-   - SSH in, verify splash -> shop transition
-   - Browse shop, add items to cart
-   - Full checkout: shipping -> payment -> review -> confirm
-   - Account page: orders, addresses, cards, SSH keys, FAQ tabs
-   - Menu (m) and help (?) modals
-   - Terminal resize during each page