Add housing/pets/Thom Krooke, wordle overhaul, boost system, backup strategy

Part 3 (Housing, Thom Krooke & Pets): - Housing system with tiered upgrades, mortgage loans, FRED API rates - Thom Krooke realtor NPC with !thom commands and !thom pay extra principal - Pet system with arrival, naming, leveling, combat, morning defense - Pet ditch recovery scales with level, name validation Wordle overhaul: - Remove daily expiration — puzzles persist until solved/failed - Auto-start new puzzle after solve, fail, or skip - Sequential puzzle IDs instead of date-based - Auto-create puzzle on first guess if none active Adventure fixes: - Double XP/money boost toggle (!adv boost, admin only) - Fix ensureCharacter wiping existing data on query errors - Fix rival RPS format string bug - Fix daily summary empty data (load today+yesterday logs) - Fix holdem DM-to-room reply routing - Fix Robbie payout to 25% of item value - Add fishing to leaderboard and TwinBee calculations - Add Thom to morning menu - Persist mortgage rate across restarts via db.CacheGet/Set Infrastructure: - Daily database backup via VACUUM INTO with 7-day retention - Admin DM notification on backup failure (async) - Daily NPC house balance reset for holdem Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>
2026-07-15 00:32:40 +00:00 · 2026-04-10 16:50:49 -07:00
parent 90865d1c51
commit 76110f61ca
24 changed files with 3298 additions and 166 deletions
--- a/internal/db/db.go
+++ b/internal/db/db.go
@@ -16,6 +16,7 @@ import (
 var (
 	mu       sync.Mutex
 	globalDB *sql.DB
+	dataPath string
 )

 // Init opens (or creates) the SQLite database and runs migrations.
@@ -44,6 +45,7 @@ func Init(dataDir string) error {
 	}

 	globalDB = d
+	dataPath = dataDir
 	slog.Info("database initialized", "path", dbPath)
 	return nil
 }
@@ -109,6 +111,28 @@ func runMigrations(d *sql.DB) error {
 		`ALTER TABLE adventure_characters ADD COLUMN npc_msg_count_date TEXT NOT NULL DEFAULT ''`,
 		`ALTER TABLE adventure_characters ADD COLUMN misty_roll_target INTEGER NOT NULL DEFAULT 0`,
 		`ALTER TABLE adventure_characters ADD COLUMN arina_roll_target INTEGER NOT NULL DEFAULT 0`,
+		// Housing
+		`ALTER TABLE adventure_characters ADD COLUMN house_tier INTEGER NOT NULL DEFAULT 0`,
+		`ALTER TABLE adventure_characters ADD COLUMN house_loan_balance INTEGER NOT NULL DEFAULT 0`,
+		`ALTER TABLE adventure_characters ADD COLUMN house_loan_frozen INTEGER NOT NULL DEFAULT 0`,
+		`ALTER TABLE adventure_characters ADD COLUMN house_missed_payments INTEGER NOT NULL DEFAULT 0`,
+		`ALTER TABLE adventure_characters ADD COLUMN house_autopay INTEGER NOT NULL DEFAULT 0`,
+		`ALTER TABLE adventure_characters ADD COLUMN house_current_rate REAL NOT NULL DEFAULT 0`,
+		// Pets
+		`ALTER TABLE adventure_characters ADD COLUMN pet_type TEXT NOT NULL DEFAULT ''`,
+		`ALTER TABLE adventure_characters ADD COLUMN pet_name TEXT NOT NULL DEFAULT ''`,
+		`ALTER TABLE adventure_characters ADD COLUMN pet_xp INTEGER NOT NULL DEFAULT 0`,
+		`ALTER TABLE adventure_characters ADD COLUMN pet_level INTEGER NOT NULL DEFAULT 0`,
+		`ALTER TABLE adventure_characters ADD COLUMN pet_armor_tier INTEGER NOT NULL DEFAULT 0`,
+		`ALTER TABLE adventure_characters ADD COLUMN pet_chased_away INTEGER NOT NULL DEFAULT 0`,
+		`ALTER TABLE adventure_characters ADD COLUMN pet_reactivated INTEGER NOT NULL DEFAULT 0`,
+		`ALTER TABLE adventure_characters ADD COLUMN pet_arrived INTEGER NOT NULL DEFAULT 0`,
+		`ALTER TABLE adventure_characters ADD COLUMN misty_encounter_count INTEGER NOT NULL DEFAULT 0`,
+		`ALTER TABLE adventure_characters ADD COLUMN misty_donated_count INTEGER NOT NULL DEFAULT 0`,
+		`ALTER TABLE adventure_characters ADD COLUMN thom_animal_line_fired INTEGER NOT NULL DEFAULT 0`,
+		`ALTER TABLE adventure_characters ADD COLUMN pet_supply_shop_unlocked INTEGER NOT NULL DEFAULT 0`,
+		`ALTER TABLE adventure_characters ADD COLUMN pet_level10_date TEXT NOT NULL DEFAULT ''`,
+		`ALTER TABLE adventure_characters ADD COLUMN pet_morning_defense INTEGER NOT NULL DEFAULT 0`,
 	}
 	for _, stmt := range columnMigrations {
 		if _, err := d.Exec(stmt); err != nil {
@@ -165,6 +189,47 @@ func CacheSet(key, data string) {
 	)
 }

+// Backup creates a consistent snapshot of the database using VACUUM INTO.
+// Keeps the last 7 daily backups, deleting older ones.
+func Backup() error {
+	backupDir := filepath.Join(dataPath, "backups")
+	if err := os.MkdirAll(backupDir, 0o755); err != nil {
+		return fmt.Errorf("create backup dir: %w", err)
+	}
+
+	filename := fmt.Sprintf("gogobee_%s.db", time.Now().UTC().Format("2006-01-02"))
+	backupPath := filepath.Join(backupDir, filename)
+
+	_, err := Get().Exec(fmt.Sprintf(`VACUUM INTO '%s'`, backupPath))
+	if err != nil {
+		return fmt.Errorf("vacuum into backup: %w", err)
+	}
+
+	slog.Info("database backup created", "path", backupPath)
+
+	// Prune backups older than 7 days
+	entries, err := os.ReadDir(backupDir)
+	if err != nil {
+		return nil // backup succeeded, prune failure is non-fatal
+	}
+	cutoff := time.Now().UTC().AddDate(0, 0, -7)
+	for _, e := range entries {
+		if e.IsDir() || !strings.HasSuffix(e.Name(), ".db") {
+			continue
+		}
+		info, err := e.Info()
+		if err != nil {
+			continue
+		}
+		if info.ModTime().Before(cutoff) {
+			os.Remove(filepath.Join(backupDir, e.Name()))
+			slog.Info("pruned old backup", "file", e.Name())
+		}
+	}
+
+	return nil
+}
+
 // RunMaintenance purges stale data from cache tables, old rate limits,
 // expired logs, and runs SQLite optimization. Intended to run daily.
 func RunMaintenance() {
--- a/internal/plugin/adventure.go
+++ b/internal/plugin/adventure.go
@@ -1,6 +1,8 @@
 package plugin

 import (
+	"database/sql"
+	"errors"
 	"fmt"
 	"log/slog"
 	"math/rand/v2"
@@ -9,6 +11,8 @@ import (
 	"sync"
 	"time"

+	"gogobee/internal/db"
+
 	"maunium.net/go/mautrix"
 	"maunium.net/go/mautrix/id"
 )
@@ -99,6 +103,7 @@ func (p *AdventurePlugin) Commands() []CommandDef {
 	return []CommandDef{
 		{Name: "adventure", Description: "Daily adventure game — dungeon, mine, forage, or rest", Usage: "!adventure", Category: "Games"},
 		{Name: "arena", Description: "Arena combat — fight through 5 tiers of increasingly deadly monsters", Usage: "!arena", Category: "Games"},
+		{Name: "thom", Description: "Visit Thom Krooke — housing and loans", Usage: "!thom", Category: "Games"},
 	}
 }

@@ -133,6 +138,7 @@ func (p *AdventurePlugin) Init() error {
 	go p.rivalChallengeTicker()
 	go p.robbieTicker()
 	go p.hospitalNudgeTicker()
+	go p.mortgageTicker()

 	// Auto-cashout any arena runs left in 'awaiting' from a prior restart
 	p.arenaCleanupStaleRuns()
@@ -193,7 +199,12 @@ func (p *AdventurePlugin) OnMessage(ctx MessageContext) error {
 		})
 	}

-	// 4. Command dispatch
+	// 4. Thom Krooke commands (work in rooms and DMs)
+	if p.IsCommand(ctx.Body, "thom") {
+		return p.handleThomCmd(ctx)
+	}
+
+	// 5. Command dispatch
 	if !p.IsCommand(ctx.Body, "adventure") && !p.IsCommand(ctx.Body, "adv") {
 		return nil
 	}
@@ -243,6 +254,8 @@ func (p *AdventurePlugin) dispatchCommand(ctx MessageContext) error {
 		return p.handleRepairAllCmd(ctx)
 	case strings.HasPrefix(lower, "repair "):
 		return p.handleRepairSlotCmd(ctx, strings.TrimSpace(args[7:]))
+	case lower == "boost":
+		return p.handleBoostCmd(ctx)
 	}

 	return p.SendDM(ctx.Sender, "Unknown command. Type `!adventure help` to see available commands.")
@@ -266,6 +279,7 @@ const advHelpText = `**Adventure Commands**
 ` + "`!adventure repair all`" + ` — Repair all damaged equipment
 ` + "`!adventure repair <slot>`" + ` — Repair a specific slot
 ` + "`!hospital`" + ` — Visit St. Guildmore's Memorial Hospital (same-day revival when dead)
+` + "`!thom`" + ` — Visit Thom Krooke (housing and loans)
 ` + "`!adventure help`" + ` — This message

 **Arena:**
@@ -511,10 +525,15 @@ func (p *AdventurePlugin) handleDMReply(ctx MessageContext) error {

 	// Skip if it looks like a command for another plugin
 	lower := strings.ToLower(body)
-	if strings.HasPrefix(body, "!") && !strings.HasPrefix(lower, "!adventure") && !strings.HasPrefix(lower, "!adv") {
+	if strings.HasPrefix(body, "!") && !strings.HasPrefix(lower, "!adventure") && !strings.HasPrefix(lower, "!adv") && !strings.HasPrefix(lower, "!thom") {
 		return nil
 	}

+	// Handle !thom in DMs
+	if strings.HasPrefix(lower, "!thom") {
+		return p.handleThomCmd(ctx)
+	}
+
 	// Strip !adventure / !adv prefix if present — dispatch directly to avoid recursion
 	if strings.HasPrefix(lower, "!adventure") || strings.HasPrefix(lower, "!adv") {
 		return p.dispatchCommand(ctx)
@@ -568,6 +587,12 @@ func (p *AdventurePlugin) resolvePendingInteraction(ctx MessageContext, interact
 		return p.resolveHospitalPay(ctx, interaction)
 	case "npc_encounter":
 		return p.resolveNPCEncounter(ctx, interaction)
+	case "pet_arrival":
+		return p.resolvePetArrival(ctx)
+	case "pet_type":
+		return p.resolvePetType(ctx)
+	case "pet_name":
+		return p.resolvePetName(ctx)
 	}
 	return nil
 }
@@ -790,6 +815,9 @@ func (p *AdventurePlugin) resolveActivity(ctx MessageContext, char *AdventureCha
 		result.XPGained = int(float64(result.XPGained) * (1.0 + bonus))
 	}

+	// Double XP/money boost
+	advApplyBoost(result)
+
 	// Apply XP
 	switch result.XPSkill {
 	case "combat":
@@ -874,6 +902,16 @@ func (p *AdventurePlugin) resolveActivity(ctx MessageContext, char *AdventureCha
 		return p.SendDM(ctx.Sender, "Something went wrong saving your progress. Your action was not recorded. Try again.")
 	}

+	// Pet XP
+	if char.HasPet() && result.Outcome != AdvOutcomeDeath {
+		if petGrantXP(char) {
+			_ = saveAdvCharacter(char)
+			_ = p.SendDM(char.UserID, fmt.Sprintf("🐾 %s leveled up to **Level %d**!", char.PetName, char.PetLevel))
+		} else {
+			_ = saveAdvCharacter(char)
+		}
+	}
+
 	// Save equipment changes
 	for _, slot := range allSlots {
 		if eq, ok := equip[slot]; ok {
@@ -1203,7 +1241,12 @@ func (p *AdventurePlugin) selectFlavorText(char *AdventureCharacter, result *Adv
 func (p *AdventurePlugin) ensureCharacter(userID id.UserID) (*AdventureCharacter, map[EquipmentSlot]*AdvEquipment, error) {
 	char, err := loadAdvCharacter(userID)
 	if err != nil {
-		// Auto-create
+		if !errors.Is(err, sql.ErrNoRows) {
+			// Query error (e.g. missing column) — do NOT auto-create over existing data
+			slog.Error("adventure: loadAdvCharacter failed", "user", userID, "err", err)
+			return nil, nil, fmt.Errorf("failed to load character: %w", err)
+		}
+		// Genuinely new player — auto-create
 		displayName := p.DisplayName(userID)
 		if err := createAdvCharacter(userID, displayName); err != nil {
 			return nil, nil, err
@@ -1229,3 +1272,44 @@ func (p *AdventurePlugin) ensureCharacter(userID id.UserID) (*AdventureCharacter
 	return char, equip, nil
 }

+// ── Double XP/Money Boost ───────────────────────────────────────────────────
+
+const advBoostCacheKey = "adv_boost_active"
+
+func advBoostActive() bool {
+	return db.CacheGet(advBoostCacheKey, 365*86400) == "1"
+}
+
+func advSetBoost(active bool) {
+	v := "0"
+	if active {
+		v = "1"
+	}
+	db.CacheSet(advBoostCacheKey, v)
+}
+
+func advApplyBoost(result *AdvActionResult) {
+	if !advBoostActive() {
+		return
+	}
+	result.XPGained *= 2
+	result.TotalLootValue = 0
+	for i := range result.LootItems {
+		result.LootItems[i].Value *= 2
+		result.TotalLootValue += result.LootItems[i].Value
+	}
+}
+
+func (p *AdventurePlugin) handleBoostCmd(ctx MessageContext) error {
+	if !p.IsAdmin(ctx.Sender) {
+		return nil
+	}
+
+	if advBoostActive() {
+		advSetBoost(false)
+		return p.SendReply(ctx.RoomID, ctx.EventID, "⚡ Double XP/money boost **disabled**.")
+	}
+	advSetBoost(true)
+	return p.SendReply(ctx.RoomID, ctx.EventID, "⚡ Double XP/money boost **enabled**! All adventure XP and loot values are doubled.")
+}
+
--- a/internal/plugin/adventure_activities.go
+++ b/internal/plugin/adventure_activities.go
@@ -810,7 +810,7 @@ func advEligibleLocations(char *AdventureCharacter, equip map[EquipmentSlot]*Adv

 // advCheckPartyBonus checks if other players visited the same location today.
 func advCheckPartyBonus(userID id.UserID, location string) bool {
-	logs, err := loadAdvTodayLogs()
+	logs, err := loadAdvLogsForDate(time.Now().UTC().Format("2006-01-02"))
 	if err != nil {
 		return false
 	}
--- a/internal/plugin/adventure_arena.go
+++ b/internal/plugin/adventure_arena.go
@@ -148,21 +148,47 @@ func (p *AdventurePlugin) handleArenaFight(ctx MessageContext) error {
 		return p.resolveArenaSurvival(ctx, run, char, tier, monster, combatLog, npcResult)
 	}

-	// Normal combat roll
+	// Pet combat actions
+	petResult := petRollCombatActions(char, monster.Name)
+
+	// Normal combat roll — pet deflect reduces effective death chance
 	deathChance := arenaDeathChance(monster, char, equip)
+	if petResult != nil && petResult.Deflected {
+		deathChance *= 0.5 // deflect halves death chance for this round
+	}
 	roll := rand.Float64()
 	died := roll < deathChance

 	closeness := 1.0 - math.Abs(roll-deathChance)/math.Max(deathChance, 1-deathChance)
 	combatLog := generateArenaCombatLog(!died, closeness)

+	// Append pet text to combat log
+	var petText string
+	if petResult != nil {
+		if petResult.Attacked {
+			petText += "\n\n" + petResult.AttackText
+		}
+		if petResult.Deflected {
+			petText += "\n\n" + petResult.DeflectText
+		}
+	}
+
 	if died {
 		if npcResult != nil && npcResult.Text != "" {
 			combatLog.NPCText = npcResult.Text
 		}
+		combatLog.NPCText += petText
+		if petResult != nil && (petResult.Attacked || petResult.Deflected) {
+			combatLog.NPCText += "\n\n" + petDeathText(char)
+		}
 		return p.resolveArenaDeath(ctx, run, char, tier, monster, combatLog)
 	}

+	combatLog.NPCText += petText
+	if petResult != nil && (petResult.Attacked || petResult.Deflected) {
+		combatLog.NPCText += "\n\n" + petVictoryText(char)
+	}
+
 	return p.resolveArenaSurvival(ctx, run, char, tier, monster, combatLog, npcResult)
 }

@@ -212,20 +238,44 @@ func (p *AdventurePlugin) confirmAndStartArenaRun(ctx MessageContext) error {
 		return p.resolveArenaSurvival(ctx, run, char, tier, monster, combatLog, npcResult)
 	}

+	petResult := petRollCombatActions(char, monster.Name)
+
 	deathChance := arenaDeathChance(monster, char, equip)
+	if petResult != nil && petResult.Deflected {
+		deathChance *= 0.5
+	}
 	roll := rand.Float64()
 	died := roll < deathChance

 	closeness := 1.0 - math.Abs(roll-deathChance)/math.Max(deathChance, 1-deathChance)
 	combatLog := generateArenaCombatLog(!died, closeness)

+	var petText string
+	if petResult != nil {
+		if petResult.Attacked {
+			petText += "\n\n" + petResult.AttackText
+		}
+		if petResult.Deflected {
+			petText += "\n\n" + petResult.DeflectText
+		}
+	}
+
 	if died {
 		if npcResult != nil && npcResult.Text != "" {
 			combatLog.NPCText = npcResult.Text
 		}
+		combatLog.NPCText += petText
+		if petResult != nil && (petResult.Attacked || petResult.Deflected) {
+			combatLog.NPCText += "\n\n" + petDeathText(char)
+		}
 		return p.resolveArenaDeath(ctx, run, char, tier, monster, combatLog)
 	}

+	combatLog.NPCText += petText
+	if petResult != nil && (petResult.Attacked || petResult.Deflected) {
+		combatLog.NPCText += "\n\n" + petVictoryText(char)
+	}
+
 	return p.resolveArenaSurvival(ctx, run, char, tier, monster, combatLog, npcResult)
 }

@@ -531,6 +581,51 @@ func (p *AdventurePlugin) resolveArenaDeath(ctx MessageContext, run *ArenaRun, c
 		return p.SendDM(ctx.Sender, text)
 	}

+	// ── Pet ditch recovery — reduced death penalty ──
+	petRecovery := petRollDitchRecovery(char)
+	if petRecovery {
+		// Pet intervenes — player still dies but respawn timer is reduced
+		char.Kill()
+		if char.DeadUntil != nil {
+			reduced := time.Now().UTC().Add(petDitchRecoveryTime(char.PetLevel))
+			char.DeadUntil = &reduced
+		}
+
+		char.ArenaLosses++
+		char.CombatXP += arenaParticipationXP
+		if leveled, _ := checkAdvLevelUp(char, "combat"); leveled {
+			p.checkRivalPoolUnlock(char)
+		}
+		if err := saveAdvCharacter(char); err != nil {
+			slog.Error("arena: failed to save after pet ditch recovery", "user", ctx.Sender, "err", err)
+		}
+
+		run.Status = "dead"
+		run.Earnings = 0
+		run.TierEarnings = 0
+		run.XPAccumulated = 0
+		endNow := time.Now().UTC()
+		run.EndedAt = &endNow
+		_ = saveArenaRun(run)
+		insertArenaHistory(run.UserID, run.StartTier, run.Tier, run.RoundsSurvived, 0, "dead", monster.Name)
+		upsertArenaStats(run.UserID, 0, true, run.Tier)
+
+		closer := arenaLoseCloser(monster.Name, len(combatLog.Rounds))
+		text := renderArenaCombatLog(combatLog, monster, false, 0, arenaParticipationXP, closer)
+		text += "\n\n_oof_"
+
+		_ = p.SendDM(ctx.Sender, text)
+
+		// Game room posts
+		gr := gamesRoom()
+		if gr != "" {
+			_ = p.SendMessage(gr, petDitchRecoveryGameRoom(char.DisplayName, char.PetName, true))
+		}
+
+		p.sendHospitalAd(ctx.Sender, char)
+		return nil
+	}
+
 	// ── Actual death — forfeit all session rewards ──
 	lostEarnings := run.Earnings + run.TierEarnings

@@ -722,7 +817,16 @@ func arenaDeathChance(monster *ArenaMonster, char *AdventureCharacter, equip map
 	}
 	equipMod := avgTier * 0.03 // 0 at tier 0, 0.15 at tier 5

-	deathChance := baseDeath + levelMod - equipMod + skillMod
+	// Housing HP bonus reduces death chance
+	houseMod := char.HouseHPBonus() // 0-20% based on house tier
+
+	// Pet morning defense buff (cat offering / dog smothering)
+	petDefMod := 0.0
+	if char.PetMorningDefense {
+		petDefMod = 0.05
+	}
+
+	deathChance := baseDeath + levelMod - equipMod + skillMod - houseMod - petDefMod
 	return math.Max(0.01, math.Min(0.98, deathChance))
 }

--- a/internal/plugin/adventure_babysit.go
+++ b/internal/plugin/adventure_babysit.go
@@ -284,6 +284,9 @@ func (p *AdventurePlugin) runBabysitAction(char *AdventureCharacter, equip map[E
 		result.EquipBroken = nil
 	}

+	// Double XP/money boost
+	advApplyBoost(result)
+
 	// Apply XP
 	switch result.XPSkill {
 	case "combat":
--- a/internal/plugin/adventure_character.go
+++ b/internal/plugin/adventure_character.go
@@ -71,6 +71,28 @@ type AdventureCharacter struct {
 	NPCMsgCountDate         string
 	MistyRollTarget         int
 	ArinaRollTarget         int
+	// Housing
+	HouseTier           int
+	HouseLoanBalance    int
+	HouseLoanFrozen     bool
+	HouseMissedPayments int
+	HouseAutopay        bool
+	HouseCurrentRate    float64
+	// Pets
+	PetType             string
+	PetName             string
+	PetXP               int
+	PetLevel            int
+	PetArmorTier        int
+	PetChasedAway       bool
+	PetReactivated      bool
+	PetArrived          bool
+	MistyEncounterCount int
+	MistyDonatedCount   int
+	ThomAnimalLineFired bool
+	PetSupplyShopUnlocked bool
+	PetLevel10Date      string
+	PetMorningDefense   bool
 }

 type AdvEquipment struct {
@@ -232,6 +254,31 @@ func (c *AdventureCharacter) Kill() {
 	c.LastDeathDate = time.Now().UTC().Format("2006-01-02")
 }

+// HasPet returns true if the player has an active pet (not chased away).
+func (c *AdventureCharacter) HasPet() bool {
+	return c.PetType != "" && c.PetArrived && !c.PetChasedAway
+}
+
+// HasHouse returns true if the player has purchased at least a base house.
+func (c *AdventureCharacter) HasHouse() bool {
+	return c.HouseTier > 0 || c.HouseLoanBalance > 0
+}
+
+// HouseHPBonus returns the HP bonus percentage from housing tier.
+// Tier 1 (Base) = +0%, Tier 2 (Livable) = +5%, Tier 3 (Comfortable) = +12%, Tier 4 (Established) = +20%
+func (c *AdventureCharacter) HouseHPBonus() float64 {
+	switch c.HouseTier {
+	case 2:
+		return 0.05
+	case 3:
+		return 0.12
+	case 4:
+		return 0.20
+	default:
+		return 0
+	}
+}
+
 // ── Action Economy ──────────────────────────────────────────────────────────

 const maxCombatActions = 1
@@ -368,6 +415,9 @@ func loadAdvCharacter(userID id.UserID) (*AdventureCharacter, error) {
 	var deadUntil, reprieveLast, babysitExp, pardonUsed sql.NullTime
 	var mistyLastSeen, arinaLastSeen, mistyBuffExp, mistyDebuffExp, arinaBuffExp sql.NullTime

+	var houseFrozen, houseAutopay int
+	var petChasedAway, petReactivated, petArrived, thomAnimalLine, petSupplyUnlocked, petMorningDef int
+
 	err := d.QueryRow(`
 		SELECT user_id, display_name,
 		       combat_level, mining_skill, foraging_skill, fishing_skill,
@@ -385,7 +435,14 @@ func loadAdvCharacter(userID id.UserID) (*AdventureCharacter, error) {
 		       misty_last_seen, arina_last_seen,
 		       misty_buff_expires, misty_debuff_expires, arina_buff_expires,
 		       npc_msg_count, npc_msg_count_date,
-		       misty_roll_target, arina_roll_target
+		       misty_roll_target, arina_roll_target,
+		       house_tier, house_loan_balance, house_loan_frozen, house_missed_payments,
+		       house_autopay, house_current_rate,
+		       pet_type, pet_name, pet_xp, pet_level, pet_armor_tier,
+		       pet_chased_away, pet_reactivated, pet_arrived,
+		       misty_encounter_count, misty_donated_count,
+		       thom_animal_line_fired, pet_supply_shop_unlocked, pet_level10_date,
+		       pet_morning_defense
 		FROM adventure_characters WHERE user_id = ?`, string(userID)).Scan(
 		&c.UserID, &c.DisplayName,
 		&c.CombatLevel, &c.MiningSkill, &c.ForagingSkill, &c.FishingSkill,
@@ -404,6 +461,13 @@ func loadAdvCharacter(userID id.UserID) (*AdventureCharacter, error) {
 		&mistyBuffExp, &mistyDebuffExp, &arinaBuffExp,
 		&c.NPCMsgCount, &c.NPCMsgCountDate,
 		&c.MistyRollTarget, &c.ArinaRollTarget,
+		&c.HouseTier, &c.HouseLoanBalance, &houseFrozen, &c.HouseMissedPayments,
+		&houseAutopay, &c.HouseCurrentRate,
+		&c.PetType, &c.PetName, &c.PetXP, &c.PetLevel, &c.PetArmorTier,
+		&petChasedAway, &petReactivated, &petArrived,
+		&c.MistyEncounterCount, &c.MistyDonatedCount,
+		&thomAnimalLine, &petSupplyUnlocked, &c.PetLevel10Date,
+		&petMorningDef,
 	)
 	if err != nil {
 		return nil, err
@@ -413,6 +477,7 @@ func loadAdvCharacter(userID id.UserID) (*AdventureCharacter, error) {
 	c.HolidayActionTaken = holidayTaken == 1
 	c.RivalUnlockedNotified = rivalUnlocked == 1
 	c.BabysitActive = babysitAct == 1
+	c.PetMorningDefense = petMorningDef == 1
 	if deadUntil.Valid {
 		c.DeadUntil = &deadUntil.Time
 	}
@@ -440,6 +505,13 @@ func loadAdvCharacter(userID id.UserID) (*AdventureCharacter, error) {
 	if arinaBuffExp.Valid {
 		c.ArinaBuffExpires = &arinaBuffExp.Time
 	}
+	c.HouseLoanFrozen = houseFrozen == 1
+	c.HouseAutopay = houseAutopay == 1
+	c.PetChasedAway = petChasedAway == 1
+	c.PetReactivated = petReactivated == 1
+	c.PetArrived = petArrived == 1
+	c.ThomAnimalLineFired = thomAnimalLine == 1
+	c.PetSupplyShopUnlocked = petSupplyUnlocked == 1
 	return c, nil
 }

@@ -494,6 +566,38 @@ func saveAdvCharacter(char *AdventureCharacter) error {
 	if char.BabysitActive {
 		babysitAct = 1
 	}
+	houseFrozen := 0
+	if char.HouseLoanFrozen {
+		houseFrozen = 1
+	}
+	houseAutopay := 0
+	if char.HouseAutopay {
+		houseAutopay = 1
+	}
+	petChasedAway := 0
+	if char.PetChasedAway {
+		petChasedAway = 1
+	}
+	petReactivated := 0
+	if char.PetReactivated {
+		petReactivated = 1
+	}
+	petArrived := 0
+	if char.PetArrived {
+		petArrived = 1
+	}
+	thomAnimalLine := 0
+	if char.ThomAnimalLineFired {
+		thomAnimalLine = 1
+	}
+	petSupplyUnlocked := 0
+	if char.PetSupplyShopUnlocked {
+		petSupplyUnlocked = 1
+	}
+	petMorningDef := 0
+	if char.PetMorningDefense {
+		petMorningDef = 1
+	}

 	_, err := d.Exec(`
 		UPDATE adventure_characters SET
@@ -512,7 +616,14 @@ func saveAdvCharacter(char *AdventureCharacter) error {
 			misty_last_seen = ?, arina_last_seen = ?,
 			misty_buff_expires = ?, misty_debuff_expires = ?, arina_buff_expires = ?,
 			npc_msg_count = ?, npc_msg_count_date = ?,
-			misty_roll_target = ?, arina_roll_target = ?
+			misty_roll_target = ?, arina_roll_target = ?,
+			house_tier = ?, house_loan_balance = ?, house_loan_frozen = ?, house_missed_payments = ?,
+			house_autopay = ?, house_current_rate = ?,
+			pet_type = ?, pet_name = ?, pet_xp = ?, pet_level = ?, pet_armor_tier = ?,
+			pet_chased_away = ?, pet_reactivated = ?, pet_arrived = ?,
+			misty_encounter_count = ?, misty_donated_count = ?,
+			thom_animal_line_fired = ?, pet_supply_shop_unlocked = ?, pet_level10_date = ?,
+			pet_morning_defense = ?
 		WHERE user_id = ?`,
 		char.DisplayName, char.CombatLevel, char.MiningSkill, char.ForagingSkill, char.FishingSkill,
 		char.CombatXP, char.MiningXP, char.ForagingXP, char.FishingXP,
@@ -529,6 +640,13 @@ func saveAdvCharacter(char *AdventureCharacter) error {
 		char.MistyBuffExpires, char.MistyDebuffExpires, char.ArinaBuffExpires,
 		char.NPCMsgCount, char.NPCMsgCountDate,
 		char.MistyRollTarget, char.ArinaRollTarget,
+		char.HouseTier, char.HouseLoanBalance, houseFrozen, char.HouseMissedPayments,
+		houseAutopay, char.HouseCurrentRate,
+		char.PetType, char.PetName, char.PetXP, char.PetLevel, char.PetArmorTier,
+		petChasedAway, petReactivated, petArrived,
+		char.MistyEncounterCount, char.MistyDonatedCount,
+		thomAnimalLine, petSupplyUnlocked, char.PetLevel10Date,
+		petMorningDef,
 		string(char.UserID),
 	)
 	return err
@@ -646,9 +764,20 @@ func loadAllAdvCharacters() ([]AdventureCharacter, error) {
 		       masterwork_drops_received,
 		       rival_pool, rival_unlocked_notified,
 		       babysit_active, babysit_expires_at, babysit_skill_focus,
+		       hospital_visits, robbie_visit_count, last_death_date,
 		       combat_actions_used, harvest_actions_used,
+		       last_pardon_used,
+		       misty_last_seen, arina_last_seen,
+		       misty_buff_expires, misty_debuff_expires, arina_buff_expires,
 		       npc_msg_count, npc_msg_count_date,
-		       misty_roll_target, arina_roll_target
+		       misty_roll_target, arina_roll_target,
+		       house_tier, house_loan_balance, house_loan_frozen, house_missed_payments,
+		       house_autopay, house_current_rate,
+		       pet_type, pet_name, pet_xp, pet_level, pet_armor_tier,
+		       pet_chased_away, pet_reactivated, pet_arrived,
+		       misty_encounter_count, misty_donated_count,
+		       thom_animal_line_fired, pet_supply_shop_unlocked, pet_level10_date,
+		       pet_morning_defense
 		FROM adventure_characters`)
 	if err != nil {
 		return nil, err
@@ -659,7 +788,10 @@ func loadAllAdvCharacters() ([]AdventureCharacter, error) {
 	for rows.Next() {
 		c := AdventureCharacter{}
 		var alive, actionTaken, holidayTaken, rivalUnlocked, babysitAct int
-		var deadUntil, reprieveLast, babysitExp sql.NullTime
+		var deadUntil, reprieveLast, babysitExp, pardonUsed sql.NullTime
+		var mistyLastSeen, arinaLastSeen, mistyBuffExp, mistyDebuffExp, arinaBuffExp sql.NullTime
+		var houseFrozen, houseAutopay int
+		var petChasedAway, petReactivated, petArrived, thomAnimalLine, petSupplyUnlocked, petMorningDef int
 		if err := rows.Scan(
 			&c.UserID, &c.DisplayName,
 			&c.CombatLevel, &c.MiningSkill, &c.ForagingSkill, &c.FishingSkill,
@@ -671,9 +803,20 @@ func loadAllAdvCharacters() ([]AdventureCharacter, error) {
 			&c.MasterworkDropsReceived,
 			&c.RivalPool, &rivalUnlocked,
 			&babysitAct, &babysitExp, &c.BabysitSkillFocus,
-		&c.CombatActionsUsed, &c.HarvestActionsUsed,
-		&c.NPCMsgCount, &c.NPCMsgCountDate,
-		&c.MistyRollTarget, &c.ArinaRollTarget,
+			&c.HospitalVisits, &c.RobbieVisitCount, &c.LastDeathDate,
+			&c.CombatActionsUsed, &c.HarvestActionsUsed,
+			&pardonUsed,
+			&mistyLastSeen, &arinaLastSeen,
+			&mistyBuffExp, &mistyDebuffExp, &arinaBuffExp,
+			&c.NPCMsgCount, &c.NPCMsgCountDate,
+			&c.MistyRollTarget, &c.ArinaRollTarget,
+			&c.HouseTier, &c.HouseLoanBalance, &houseFrozen, &c.HouseMissedPayments,
+			&houseAutopay, &c.HouseCurrentRate,
+			&c.PetType, &c.PetName, &c.PetXP, &c.PetLevel, &c.PetArmorTier,
+			&petChasedAway, &petReactivated, &petArrived,
+			&c.MistyEncounterCount, &c.MistyDonatedCount,
+			&thomAnimalLine, &petSupplyUnlocked, &c.PetLevel10Date,
+			&petMorningDef,
 		); err != nil {
 			return nil, err
 		}
@@ -682,6 +825,14 @@ func loadAllAdvCharacters() ([]AdventureCharacter, error) {
 		c.HolidayActionTaken = holidayTaken == 1
 		c.RivalUnlockedNotified = rivalUnlocked == 1
 		c.BabysitActive = babysitAct == 1
+		c.PetMorningDefense = petMorningDef == 1
+		c.HouseLoanFrozen = houseFrozen == 1
+		c.HouseAutopay = houseAutopay == 1
+		c.PetChasedAway = petChasedAway == 1
+		c.PetReactivated = petReactivated == 1
+		c.PetArrived = petArrived == 1
+		c.ThomAnimalLineFired = thomAnimalLine == 1
+		c.PetSupplyShopUnlocked = petSupplyUnlocked == 1
 		if deadUntil.Valid {
 			c.DeadUntil = &deadUntil.Time
 		}
@@ -691,6 +842,24 @@ func loadAllAdvCharacters() ([]AdventureCharacter, error) {
 		if babysitExp.Valid {
 			c.BabysitExpiresAt = &babysitExp.Time
 		}
+		if pardonUsed.Valid {
+			c.LastPardonUsed = &pardonUsed.Time
+		}
+		if mistyLastSeen.Valid {
+			c.MistyLastSeen = &mistyLastSeen.Time
+		}
+		if arinaLastSeen.Valid {
+			c.ArinaLastSeen = &arinaLastSeen.Time
+		}
+		if mistyBuffExp.Valid {
+			c.MistyBuffExpires = &mistyBuffExp.Time
+		}
+		if mistyDebuffExp.Valid {
+			c.MistyDebuffExpires = &mistyDebuffExp.Time
+		}
+		if arinaBuffExp.Valid {
+			c.ArinaBuffExpires = &arinaBuffExp.Time
+		}
 		chars = append(chars, c)
 	}
 	return chars, rows.Err()
@@ -701,7 +870,7 @@ func resetAllAdvDailyActions() error {
 	// Only reset actions taken before today — protects against race if a player
 	// resolves their action at exactly midnight.
 	today := time.Now().UTC().Format("2006-01-02")
-	_, err := d.Exec(`UPDATE adventure_characters SET action_taken_today = 0, holiday_action_taken = 0, combat_actions_used = 0, harvest_actions_used = 0 WHERE last_action_date < ? OR last_action_date IS NULL`, today)
+	_, err := d.Exec(`UPDATE adventure_characters SET action_taken_today = 0, holiday_action_taken = 0, combat_actions_used = 0, harvest_actions_used = 0, pet_morning_defense = 0 WHERE last_action_date < ? OR last_action_date IS NULL`, today)
 	return err
 }

@@ -762,14 +931,13 @@ type AdvDayLog struct {
 	XPGained     int
 }

-func loadAdvTodayLogs() ([]AdvDayLog, error) {
+func loadAdvLogsForDate(date string) ([]AdvDayLog, error) {
 	d := db.Get()
-	today := time.Now().UTC().Format("2006-01-02")
 	rows, err := d.Query(`
 		SELECT user_id, activity_type, COALESCE(location,''), outcome, loot_value, xp_gained
 		FROM adventure_activity_log
 		WHERE logged_at >= ? AND logged_at < DATE(?, '+1 day')
-		ORDER BY logged_at`, today, today)
+		ORDER BY logged_at`, date, date)
 	if err != nil {
 		return nil, err
 	}
--- a/internal/plugin/adventure_flavor_fishing.go
+++ b/internal/plugin/adventure_flavor_fishing.go
@@ -1,5 +1,13 @@
 package plugin

+// ── IMPORTANT: DO NOT REWRITE, SUMMARIZE, OR SHORTEN ANY ENTRIES IN THIS FILE ──
+//
+// This file contains hand-written flavor text. Every entry is the length it is
+// on purpose. The voice, pacing, and specific wording are intentional.
+// If an entry seems too long: it isn't. Leave it alone.
+// If you are tempted to "clean up" or "condense" entries: don't.
+// If your context window is too small to fit this file: that is your problem, not ours.
+//
 // ── FISHING FLAVOR TEXT ───────────────────────────────────────────────────────
 //
 // Tier 1: Muddy Pond — garbage, sad fish, puns, Stardew energy
--- a/internal/plugin/adventure_flavor_pets.go
+++ b/internal/plugin/adventure_flavor_pets.go
@@ -0,0 +1,363 @@
+package plugin
+
+// ── IMPORTANT: DO NOT REWRITE, SUMMARIZE, OR SHORTEN ANY ENTRIES IN THIS FILE ──
+//
+// This file contains hand-written flavor text. Every entry is the length it is
+// on purpose. The voice, pacing, and specific wording are intentional.
+// If an entry seems too long: it isn't. Leave it alone.
+// If you are tempted to "clean up" or "condense" entries: don't.
+// If your context window is too small to fit this file: that is your problem, not ours.
+//
+// ── PET FLAVOR TEXT ───────────────────────────────────────────────────────────
+//
+// Two pets. One register each.
+//
+// The Dog: enthusiastic, physical, zero technique, completely committed.
+//           Loves you unconditionally and expresses this through violence on your behalf.
+// The Cat: massive, precise, indifferent. Helps occasionally. Does not explain why.
+//           The enemy should feel honored and also concerned.
+//
+// Both: never die, never leave, have opinions about dinner.
+
+// ── DOG ATTACK ────────────────────────────────────────────────────────────────
+
+var PetDogAttack = []string{
+	"Your dog has decided to get involved.\n\n" +
+		"Not strategically. Not tactically. Just fully and immediately.\n\n" +
+		"{enemy} takes {damage} damage and a lot of general chaos.",
+
+	"Your dog launches itself at {enemy} with the energy of something " +
+		"that has never once considered consequences.\n\n" +
+		"{damage} damage. Your dog lands, shakes itself off, and looks at you " +
+		"like it just did the most normal thing in the world.\n\nIt did not.",
+
+	"Your dog has joined the fight.\n\n" +
+		"Your dog did not ask permission.\n\n" +
+		"Your dog never asks permission.\n\n" +
+		"{enemy} takes {damage} damage. Your dog takes a victory lap.",
+
+	"Without warning, without strategy, and without any apparent plan beyond " +
+		"extreme commitment, your dog hits {enemy} for {damage} damage.\n\n" +
+		"The crowd goes absolutely feral.",
+
+	"Your dog sees an opening that you did not see, will never see, " +
+		"and could not explain if asked.\n\n" +
+		"It takes it. {damage} damage to {enemy}.\n\n" +
+		"The dog returns to your side looking very pleased with itself.\n\n" +
+		"It should be.",
+
+	"Your dog barrels into {enemy} at full speed with its entire body weight, " +
+		"which is considerable, because it is a massive dog.\n\n" +
+		"{damage} damage.\n\nPhysics was involved.",
+
+	"Your dog bites {enemy}.\n\nDeliberately.\n\nRepeatedly.\n\n" +
+		"{damage} damage total.\n\nYour dog lets go when it feels like it.",
+
+	"Your dog has entered the arena.\n\nYour dog was not supposed to enter the arena.\n\n" +
+		"Your dog did not read the rules.\n\nYour dog cannot read.\n\n" +
+		"{enemy} takes {damage} damage. The rules remain technically intact.",
+}
+
+// ── CAT ATTACK ────────────────────────────────────────────────────────────────
+
+var PetCatAttack = []string{
+	"Your cat intervenes.\n\n" +
+		"Once. Precisely. Without looking at you afterward.\n\n" +
+		"{enemy} takes {damage} damage and is left with the unsettling feeling " +
+		"that this was a favor they did not earn.",
+
+	"Your cat has briefly decided you are worth defending.\n\n" +
+		"It acts on this decision with surgical efficiency.\n\n" +
+		"{damage} damage to {enemy}.\n\n" +
+		"The decision has already been rescinded. Don't read into it.",
+
+	"Your cat moves.\n\nThat's all.\n\nYour cat just moves.\n\n" +
+		"{enemy} takes {damage} damage and spends the rest of the round " +
+		"trying to understand what happened.",
+
+	"Your cat looks at {enemy}.\n\nThen at you.\n\nThen back at {enemy}.\n\n" +
+		"Then it handles it.\n\n{damage} damage.\n\nYour cat sits back down.",
+
+	"Your cat has, for reasons it will not share, chosen this moment.\n\n" +
+		"{damage} damage. Clean. Efficient. Completely without ego.\n\n" +
+		"Your cat is already elsewhere.",
+
+	"The cat moves through the fight like it owns the arena.\n\n" +
+		"It does not own the arena.\n\nThe arena is reconsidering its position on this.\n\n" +
+		"{enemy} takes {damage} damage. The cat does not acknowledge the applause.",
+
+	"Your cat strikes {enemy} once.\n\nIt does not strike twice.\n\n" +
+		"It did not need to.\n\n{damage} damage.\n\n" +
+		"Your cat has returned to doing whatever it was doing before, " +
+		"which was nothing, and also everything.",
+
+	"Your massive cat drops from somewhere it wasn't a moment ago " +
+		"and lands directly on {enemy}'s immediate future.\n\n" +
+		"{damage} damage.\n\nYour cat leaves without comment.\n\n" +
+		"{enemy} has questions. The cat will not be answering them.",
+}
+
+// ── DOG DEATH REACTION ────────────────────────────────────────────────────────
+
+var PetDogDeath = []string{
+	"Your dog was napping as your foe finished you off.\n\n" +
+		"They're upset now.\n\nNot because of what happened to you.\n\n" +
+		"Because dinner won't be arriving on time today.",
+
+	"Your dog watched the whole thing.\n\nDid nothing.\n\nIs now sitting by the door.\n\n" +
+		"Not waiting for you to come back.\n\nWaiting for whoever brings the food to come back.\n\n" +
+		"These are different.",
+
+	"Your dog has located your empty bowl and is moving it around the kitchen floor " +
+		"to let someone know there's been some kind of administrative error.",
+
+	"Your dog is fine.\n\nYour dog is great, actually.\n\n" +
+		"Your dog found something on the floor and ate it and is having a wonderful afternoon.\n\n" +
+		"You were gone, they noted. Briefly. Then the floor thing happened.",
+
+	"Your dog is sitting in front of your equipment and looking at it.\n\n" +
+		"Not mournfully.\n\nSpeculatively.\n\n" +
+		"Your dog has never fully ruled out that the equipment is food.",
+
+	"Your dog is howling.\n\nNot in grief.\n\nIn the specific register of a dog " +
+		"who has been waiting an unreasonable amount of time for their walk.\n\n" +
+		"The neighbors are aware.",
+
+	"Your dog is absolutely fine and has already made several new friends " +
+		"who came to check on the situation.\n\n" +
+		"Your dog showed them around.\n\nYour dog let them pet it.\n\n" +
+		"Your dog has no concept of what just happened to you and is having the best day.",
+}
+
+// ── CAT DEATH REACTION ────────────────────────────────────────────────────────
+
+var PetCatDeath = []string{
+	"Your cat is aware you died.\n\n" +
+		"Your cat has elected not to comment at this time.\n\n" +
+		"Dinner, however, is now late, and your cat has many comments about that.",
+
+	"Your cat watched you lose from across the arena.\n\n" +
+		"Its expression did not change.\n\n" +
+		"Its expression never changes.\n\n" +
+		"Dinner is late. Your cat's expression has changed.",
+
+	"Your cat is sitting on your things.\n\nNot to mourn.\n\n" +
+		"Your cat sits on things. That's just what it does.\n\n" +
+		"Dinner being late is a separate and more pressing issue " +
+		"that your cat would like addressed immediately.",
+
+	"Your cat has knocked something off a surface.\n\n" +
+		"Not in grief.\n\nJust because it was there.\n\n" +
+		"Dinner is late. Your cat will continue knocking things off surfaces " +
+		"until this is corrected.",
+
+	"Your cat is fine.\n\nYour cat is always fine.\n\n" +
+		"Your cat was fine before you and will be fine after.\n\n" +
+		"Dinner is late and your cat is making it everyone's problem.",
+
+	"Your cat has sat down directly in the center of the room and is staring at the wall.\n\n" +
+		"This could mean anything.\n\nIt means dinner is late.",
+}
+
+// ── DOG VICTORY REACTION ──────────────────────────────────────────────────────
+// Fires occasionally. Not every win. The dog has other things going on.
+
+var PetDogVictory = []string{
+	"Your dog is aware you won.\n\nYour dog is losing its mind about this.\n\n" +
+		"Your dog has won every fight you have ever been in, " +
+		"in the sense that it loves you and you came home, " +
+		"and it is treating this occasion with the same energy as all the others, " +
+		"which is: maximum.",
+
+	"Your dog is running in circles.\n\nNot for any reason.\n\n" +
+		"Just because you won and it's a good day and " +
+		"running in circles is how your dog processes good days.",
+
+	"Your dog has brought you something.\n\nYou don't know what it is.\n\n" +
+		"Your dog is very proud of it.\n\nYou accept it.\n\n" +
+		"This is what winning looks like.",
+
+	"Your dog is pressed against your leg.\n\nHard.\n\n" +
+		"Your dog does not fully understand what the arena is.\n\n" +
+		"Your dog understands that you left and came back.\n\n" +
+		"Your dog finds this extremely good news every single time.",
+
+	"Your dog has decided that the victory belongs to both of you equally " +
+		"and is accepting congratulations from nearby strangers on this basis.\n\n" +
+		"The strangers are obliging.\n\nThe dog deserves it.",
+}
+
+// ── CAT VICTORY REACTION ──────────────────────────────────────────────────────
+// Fires rarely. The cat has acknowledged maybe three of your wins. Total.
+
+var PetCatVictory = []string{
+	"Your cat glances at you.\n\nOnce.\n\nThen away.\n\n" +
+		"This is the cat equivalent of a standing ovation.\n\n" +
+		"You will not receive another one this week.",
+
+	"Your cat is sitting near you.\n\nNot with you.\n\nNear you.\n\n" +
+		"This is as close as it gets to celebration.\n\n" +
+		"Take it.",
+
+	"Your cat blinks slowly in your direction.\n\n" +
+		"You have been approved of.\n\n" +
+		"Briefly.\n\nConditionally.\n\nDon't push it.",
+
+	"Your cat has moved to a slightly closer position than usual.\n\n" +
+		"It will not explain this.\n\nIt may move back.\n\n" +
+		"For now: proximity. That's the win.",
+}
+
+// ── DOG DEFLECT ───────────────────────────────────────────────────────────────
+
+var PetDogDeflect = []string{
+	"Your dog steps in front of {enemy}'s attack.\n\n" +
+		"Not strategically.\n\nJust because you were there and the thing coming at you " +
+		"was also coming at you and your dog had opinions about that.\n\n" +
+		"{enemy} misses.\n\nYour dog looks very pleased with itself.",
+
+	"Your dog saw it coming before you did.\n\n" +
+		"Your dog always sees it coming before you do.\n\n" +
+		"You've never fully processed this.\n\n" +
+		"{enemy}'s strike lands on nothing.\n\nYour dog is already back at your side.",
+
+	"{enemy} swings.\n\nYour dog moves.\n\n" +
+		"These two things happened in the wrong order for {enemy}.\n\n" +
+		"The attack misses and causes a dog treat to fall out of its pocket.\n\n" +
+		"Mission accomplished.. treat acquired! ..Oh and you weren't hit.. I guess. ...yay.",
+
+	"Your dog body-checks {enemy}'s weapon arm at full speed.\n\n" +
+		"This was not a trained technique.\n\n" +
+		"This was a massive dog moving very fast toward something it didn't like.\n\n" +
+		"The attack goes wide.\n\nPhysics handled it.",
+
+	"{enemy} commits to the strike.\n\nYour dog doesn't like what it sees and barks loudly enough to startle {enemy} so strongly that it yelps.\n\n" +
+		"This would have been awesome if you hadn't also yelped as well.\n\n" +
+		"Either way.. {enemy} misses!\n\n",
+
+	"Your dog throws itself between you and {enemy}'s attack " +
+		"with the energy of something that has never once considered " +
+		"that this might not work.\n\n" +
+		"It works.\n\n{enemy} misses.\n\nYour dog shakes itself off and keeps going.",
+}
+
+// ── CAT DEFLECT ───────────────────────────────────────────────────────────────
+
+var PetCatDeflect = []string{
+	"Your cat moves once.\n\n" +
+		"{enemy}'s attack finds nothing.\n\n" +
+		"Your cat does not look at {enemy}.\n\n" +
+		"Your cat does not look at you.\n\n" +
+		"Your cat has already moved on.",
+
+	"{enemy} strikes.\n\nYour cat was there.\n\nThen your cat wasn't.\n\n" +
+		"The attack misses.\n\nYour cat is now somewhere else entirely.\n\n" +
+		"Nobody saw it move.",
+
+	"Your cat steps into the path of {enemy}'s attack " +
+		"and then out of it in a single motion that takes approximately no time.\n\n" +
+		"{enemy} misses.\n\nYour cat sits down.\n\n" +
+		"The crowd roars excitedly at the spectacle which you foolishly believe is for you " +
+		"until the announcer \"helpfully\" corrects you.",
+
+	"Your cat redirects {enemy}'s strike with one paw.\n\n" +
+		"Casually.\n\nLike it had something else to do and this was briefly in the way.\n\n" +
+		"The attack goes wide.\n\nYour cat returns to having something else to do.",
+
+	"{enemy} swings.\n\nYour cat looks at the swing.\n\n" +
+		"Your cat decides against it.\n\n" +
+		"The swing finds nothing.\n\n" +
+		"Your cat had already made its decision before {enemy} had finished committing.\n\n" +
+		"That's the difference.",
+
+	"Your cat inserts itself into the situation briefly and then removes itself.\n\n" +
+		"{enemy}'s attack lands on the space your cat just vacated.\n\n" +
+		"Your cat is already somewhere else.\n\nIt blinks.\n\nNot at you.\n\nAt nothing.\n\n" +
+		"The way cats do.",
+}
+// Fires randomly in the morning DM. Cat has left something.
+// Results in a defense boost for the day.
+// The cat is proud. The cat will never stop doing this.
+
+var PetCatOffering = []string{
+	"There is half a rat on your doorstep.\n\n" +
+		"You notice that your cat is looking at you from a distance.\n\n" +
+		"You pretend to take a bite.\n\nYour cat looks genuinely upset.\n\n" +
+		"Defense increased for today.",
+
+	"Something has been left at your door.\n\nSomething that was recently alive.\n\n" +
+		"Your cat has arranged it thoughtfully.\n\nThis took effort.\n\n" +
+		"You are moved in a way you did not expect and cannot fully explain.\n\n" +
+		"Defense increased for today.",
+
+	"Your cat has brought you a bird.\n\nMost of a bird.\n\n" +
+		"Your cat is extremely pleased with itself.\n\n" +
+		"You look at the bird.\n\nYou look at your cat.\n\n" +
+		"Your cat has never once doubted you (in a way that *you* would notice anyway).\n\n" +
+		"You head out with that energy.\n\nDefense increased for today.",
+
+	"There is something on your doorstep that you will not be describing in detail.\n\n" +
+		"Your cat is sitting beside it with the composure of someone " +
+		"who has provided and would like acknowledgement.\n\n" +
+		"Your horrified expression pleases the cat and you are now ready for anything.\n\nDefense increased for today.",
+
+	"Your cat hunted last night.\n\nYour cat hunted successfully.\n\n" +
+		"Your cat brought the evidence to your door because you are its person " +
+		"and it wanted you to know that things have been handled.\n\n" +
+		"Things have been handled.\n\nDefense increased for today.",
+
+	"Half a mouse.\n\nYour cat.\n\nThe specific expression of an animal that loves you " +
+		"in the only language it fully trusts.\n\n" +
+		"You stand there for a moment.\n\nYou go inside.\n\nYou come back with a treat.\n\n" +
+		"Your cat sniffs it and eats the rest of the mouse instead.\n\n" +
+		"Defense increased for today.",
+}
+
+// ── DOG MORNING SMOTHERING ────────────────────────────────────────────────────
+// Fires randomly in the morning DM. Dog has slept on top of the player.
+// Results in a defense boost for the day.
+// The dog has no idea. The dog never has any idea.
+
+var PetDogSmothering = []string{
+	"You woke up this morning unable to breathe.\n\n" +
+		"This was because your dog was on top of you.\n\nAll of your dog.\n\n" +
+		"Your dog was asleep.\n\nYour dog is still asleep.\n\n" +
+		"You moved your dog.\n\nYour dog made a noise.\n\n" +
+		"You lay there for a moment, alive, aware of it.\n\n" +
+		"Defense increased for today.",
+
+	"At some point last night your dog relocated from its bed to your chest.\n\n" +
+		"Your dog weighs a considerable amount because it is a massive dog.\n\n" +
+		"You slept under this weight for several hours.\n\n" +
+		"You feel like you have survived something.\n\nYou have survived something.\n\n" +
+		"Defense increased for today.",
+
+	"Your dog was on your legs when you woke up.\n\n" +
+		"Your dog was also somehow on your chest.\n\n" +
+		"The physics of this are unclear.\n\n" +
+		"You have no feeling in your lower half.\n\n" +
+		"You have never felt more alive.\n\nDefense increased for today.",
+
+	"You woke up with your dog's full weight distributed across your torso " +
+		"in a way that suggests your dog spent the night actively trying to become part of you.\n\n" +
+		"Your dog succeeded, spiritually.\n\n" +
+		"You are a unit now.\n\nDefense increased for today.",
+
+	"Your dog smothered you last night.\n\nNot with malice.\n\nWith love.\n\n" +
+		"There is no meaningful difference in outcome but the intent matters " +
+		"and the intent was pure.\n\n" +
+		"You made it.\n\nDefense increased for today.",
+
+	"You nearly died in your own bed.\n\n" +
+		"Your dog doesn't know this.\n\nYour dog is wagging its tail.\n\n" +
+		"Your dog slept better than it ever has.\n\n" +
+		"You look at your dog.\n\nYour dog is wagging its tail.\n\n" +
+		"Despite the near death experience, you feel all is right with the world at that moment.\n\n" +
+		"Defense increased for today.",
+
+	"Your dog is 'little spoon' in a technical sense only.\n\n" +
+		"In practice your dog is the entire bed and you are whatever " +
+		"fits in the remaining space, which last night was: not much.\n\n" +
+		"You woke up on the edge.\n\nYou did not fall.\n\n" +
+		"You are tougher than you thought.\n\nDefense increased for today.",
+}
--- a/internal/plugin/adventure_housing.go
+++ b/internal/plugin/adventure_housing.go
@@ -0,0 +1,759 @@
+package plugin
+
+import (
+	"fmt"
+	"log/slog"
+	"math/rand/v2"
+	"strconv"
+	"strings"
+	"time"
+)
+
+// ── Housing Tier Definitions ───────────────────────────────────────────────
+
+type HouseTierDef struct {
+	Tier        int
+	Name        string
+	Description string
+	BasePrice   int
+}
+
+// HouseTier 0 = no house. Purchasable tiers are 1-4.
+var houseTiers = []HouseTierDef{
+	{Tier: 1, Name: "Base House", Description: "Four walls and a roof. 'Livable' is a strong word.", BasePrice: 75000},
+	{Tier: 2, Name: "Livable", Description: "A place you can sit down in without questioning your life choices.", BasePrice: 150000},
+	{Tier: 3, Name: "Comfortable", Description: "Walls that don't leak. A door that locks. Luxuries of the modern age.", BasePrice: 300000},
+	{Tier: 4, Name: "Established", Description: "This is a house that says things about you. Good things. Mostly.", BasePrice: 600000},
+}
+
+// houseTierByTier returns the tier definition for a given tier number, or nil.
+func houseTierByTier(tier int) *HouseTierDef {
+	for i := range houseTiers {
+		if houseTiers[i].Tier == tier {
+			return &houseTiers[i]
+		}
+	}
+	return nil
+}
+
+// houseNextTier returns the next purchasable tier definition, or nil if maxed.
+func houseNextTier(currentTier int) *HouseTierDef {
+	for i := range houseTiers {
+		if houseTiers[i].Tier == currentTier+1 {
+			return &houseTiers[i]
+		}
+	}
+	return nil
+}
+
+// houseClosingCosts returns 5% closing + 6% realtor fees = 11% of base price.
+func houseClosingCosts(basePrice int) int {
+	return int(float64(basePrice) * 0.11)
+}
+
+// houseTotalCost returns base price + closing costs + realtor fees.
+func houseTotalCost(basePrice int) int {
+	return basePrice + houseClosingCosts(basePrice)
+}
+
+// houseWeeklyPayment calculates weekly payment based on balance and rate.
+// Uses a simple amortization: interest + fixed principal portion.
+// Rate is annual percentage (e.g., 6.5 means 6.5%).
+func houseWeeklyPayment(balance int, annualRate float64) int {
+	if balance <= 0 || annualRate <= 0 {
+		return 0
+	}
+	weeklyRate := annualRate / 100.0 / 52.0
+	interest := float64(balance) * weeklyRate
+	// Principal portion: 0.5% of balance per week (~26% of balance per year)
+	// Ensures loans pay off in roughly 2-4 years of active play.
+	principal := float64(balance) * 0.005
+	payment := int(interest + principal)
+	if payment < 1 {
+		payment = 1
+	}
+	return payment
+}
+
+// houseMissedPenalty returns the penalty for a missed payment (5% of weekly payment).
+func houseMissedPenalty(weeklyPayment int) int {
+	penalty := int(float64(weeklyPayment) * 0.05)
+	if penalty < 1 {
+		penalty = 1
+	}
+	return penalty
+}
+
+// ── Pending Interaction Types ──────────────────────────────────────────────
+
+type advPendingHouseConfirm struct {
+	Tier        int
+	TotalCost   int
+	DownPayment int
+}
+
+type advPendingHouseDownPayment struct {
+	Tier      int
+	TotalCost int
+}
+
+type advPendingHouseAutopay struct{}
+
+type advPendingPetArrival struct{}
+
+type advPendingPetType struct{}
+
+type advPendingPetName struct {
+	PetType string
+}
+
+// ── Thom Krooke Greeting ───────────────────────────────────────────────────
+
+var thomGreetingsPreAdoption = []string{
+	"Welcome in! Great timing. I've got something perfect for you. I say that to everyone and I mean it every time.",
+	"You don't look like someone ready to make a smart investment. I can work with that. Sit down. Don't touch anything.",
+	"Thom Krooke, Krooke Realty. No relation to that other guy. Mostly.",
+}
+
+var thomGreetingsPostAdoption = []string{
+	"You're back. Good. I've got things.",
+	"Oh. You. Sure. What do you need.",
+	"Come in. Wipe your feet. How's the animal.",
+}
+
+var thomGreetingsPostLevel10 = []string{
+	"Hello, {pet_name}'s caretaker. The usual?",
+	"Ah. {pet_name}'s caretaker. I've been expecting you. I have things {pet_name} needs.",
+	"Come in, {pet_name} and the caretaker! Wipe your feet! How are things? *You open your mouth to answer but quickly notice Thom is speaking to your pet.*",
+}
+
+var thomHouseSellingLines = []string{
+	"Charming property. Full of character. 'Character' means different things to different people and that's what makes real estate exciting.",
+	"Minor structural considerations that a positive attitude will absolutely address. Price reflects the opportunity.",
+	"Previous owner left in a hurry. Didn't say why. The chalk outlines in the living room are almost certainly decorative. Kids do that now apparently.",
+}
+
+const thomAnimalLine = "I heard an animal got in your house. Luckily for you, it's a sweet one that will give you the world in exchange for a tiny bit of kindness. ...that's what I heard anyway."
+
+var thomMissedPaymentNoPet = "Missed payment. Penalty applied. Balance is now €%d. Sort it out."
+var thomMissedPaymentPet = "Missed payment. Penalty applied. Balance is now €%d. %s doesn't need to know about this. Keep it together."
+var thomFreezeNoPet = "Ten missed payments. I've stopped trying for now. The house is yours. The debt is yours. Come see me when you're ready to talk about it."
+var thomFreezePet = "Ten missed payments. I've stopped trying for now. The house is yours. The debt is yours. Come see me when you're ready to talk about it. %s is fine. You should work on being fine."
+var thomPaidOffNoPet = "Paid off. Noted. The next tier is available when you're ready. I'll be here."
+var thomPaidOffPet = "Paid off. Good. Come in when you're ready for the next tier. I've been thinking about what %s would need in a better space. I have thoughts."
+
+// thomGreeting returns an appropriate greeting based on pet state.
+func thomGreeting(char *AdventureCharacter) string {
+	if char.HasPet() && char.PetLevel >= 10 {
+		line := thomGreetingsPostLevel10[rand.IntN(len(thomGreetingsPostLevel10))]
+		return strings.ReplaceAll(line, "{pet_name}", char.PetName)
+	}
+	if char.HasPet() {
+		return thomGreetingsPostAdoption[rand.IntN(len(thomGreetingsPostAdoption))]
+	}
+	return thomGreetingsPreAdoption[rand.IntN(len(thomGreetingsPreAdoption))]
+}
+
+// ── Thom Shop Display ──────────────────────────────────────────────────────
+
+func thomShopView(char *AdventureCharacter, balance float64) string {
+	var sb strings.Builder
+
+	sb.WriteString("🏠 **Krooke Realty**\n")
+	sb.WriteString(fmt.Sprintf("💰 Balance: €%.0f\n\n", balance))
+	sb.WriteString(fmt.Sprintf("*%s*\n\n", thomGreeting(char)))
+
+	// Check for animal line (fires once after pet appears)
+	if char.HasPet() && !char.ThomAnimalLineFired {
+		sb.WriteString(fmt.Sprintf("*%s*\n\n", thomAnimalLine))
+	}
+
+	// Current housing status
+	if !char.HasHouse() {
+		sb.WriteString("You don't own a house yet.\n\n")
+	} else {
+		tierDef := houseTierByTier(char.HouseTier)
+		tierName := "Unknown"
+		if tierDef != nil {
+			tierName = tierDef.Name
+		}
+		sb.WriteString(fmt.Sprintf("🏡 Your house: **%s** (Tier %d)\n", tierName, char.HouseTier))
+		if char.HouseLoanBalance > 0 {
+			weekly := houseWeeklyPayment(char.HouseLoanBalance, char.HouseCurrentRate)
+			if char.HouseAutopay {
+				weekly = int(float64(weekly) * 0.98) // 2% autopay discount
+			}
+			sb.WriteString(fmt.Sprintf("💳 Loan balance: €%d | Weekly: €%d", char.HouseLoanBalance, weekly))
+			if char.HouseAutopay {
+				sb.WriteString(" (autopay)")
+			}
+			if char.HouseLoanFrozen {
+				sb.WriteString(" ❄️ FROZEN")
+			}
+			sb.WriteString(fmt.Sprintf(" | Rate: %.2f%%\n", char.HouseCurrentRate))
+		}
+		sb.WriteString("\n")
+	}
+
+	// Available upgrades
+	if char.HouseLoanBalance > 0 {
+		sb.WriteString("Pay off your current loan before upgrading.\n")
+		sb.WriteString(fmt.Sprintf("\nTo pay off early: `!thom payoff`\n"))
+		if !char.HouseAutopay {
+			sb.WriteString("To enable autopay (2% discount): `!thom autopay`\n")
+		}
+	} else {
+		// Can purchase next tier
+		nextDef := houseNextTier(char.HouseTier)
+		if nextDef == nil {
+			sb.WriteString("✨ Max tier reached. There is nothing left to sell you. This has never happened before.\n")
+		} else {
+			def := *nextDef
+			total := houseTotalCost(def.BasePrice)
+			selling := thomHouseSellingLines[rand.IntN(len(thomHouseSellingLines))]
+			sb.WriteString(fmt.Sprintf("*%s*\n\n", selling))
+			sb.WriteString(fmt.Sprintf("📋 **%s** (Tier %d)\n", def.Name, def.Tier))
+			sb.WriteString(fmt.Sprintf("   Base price: €%d\n", def.BasePrice))
+			sb.WriteString(fmt.Sprintf("   Closing costs (5%%): €%d\n", int(float64(def.BasePrice)*0.05)))
+			sb.WriteString(fmt.Sprintf("   Realtor fees (6%%): €%d\n", int(float64(def.BasePrice)*0.06)))
+			sb.WriteString(fmt.Sprintf("   **Total: €%d**\n\n", total))
+			sb.WriteString(fmt.Sprintf("Reply `buy` to purchase, or `buy <amount>` for a down payment.\n"))
+		}
+	}
+
+	// Pet supply shop (unlocks 1 week after pet level 10)
+	if char.PetSupplyShopUnlocked && char.HasPet() {
+		sb.WriteString("\n---\n")
+		sb.WriteString(fmt.Sprintf("🐾 **Pet Supplies** — for %s\n\n", char.PetName))
+		sb.WriteString(petArmorShopView(char))
+	}
+
+	return sb.String()
+}
+
+// ── Thom Shop Command Handler ──────────────────────────────────────────────
+
+func (p *AdventurePlugin) handleThomCmd(ctx MessageContext) error {
+	args := strings.TrimSpace(p.GetArgs(ctx.Body, "thom"))
+
+	char, _, err := p.ensureCharacter(ctx.Sender)
+	if err != nil {
+		return p.SendDM(ctx.Sender, "Failed to load your character.")
+	}
+	balance := p.euro.GetBalance(ctx.Sender)
+
+	lower := strings.ToLower(args)
+
+	switch {
+	case args == "" || lower == "shop":
+		text := thomShopView(char, balance)
+		// Mark animal line as fired if applicable
+		if char.HasPet() && !char.ThomAnimalLineFired {
+			userMu := p.advUserLock(ctx.Sender)
+			userMu.Lock()
+			char.ThomAnimalLineFired = true
+			_ = saveAdvCharacter(char)
+			userMu.Unlock()
+		}
+		return p.SendDM(ctx.Sender, text)
+
+	case lower == "payoff":
+		return p.handleThomPayoff(ctx, char)
+
+	case strings.HasPrefix(lower, "pay "):
+		return p.handleThomPay(ctx, char, strings.TrimSpace(lower[4:]))
+
+	case lower == "autopay":
+		return p.handleThomAutopay(ctx, char)
+
+	case lower == "buy" || strings.HasPrefix(lower, "buy "):
+		return p.handleThomBuy(ctx, char, balance, strings.TrimSpace(strings.TrimPrefix(lower, "buy")))
+
+	case strings.HasPrefix(lower, "petbuy "):
+		return p.handlePetArmorBuy(ctx, char, strings.TrimSpace(args[7:]))
+
+	default:
+		return p.SendDM(ctx.Sender, "Unknown command. Type `!thom` to visit Krooke Realty.")
+	}
+}
+
+// ── Buy House ──────────────────────────────────────────────────────────────
+
+func (p *AdventurePlugin) handleThomBuy(ctx MessageContext, char *AdventureCharacter, balance float64, downPaymentStr string) error {
+	userMu := p.advUserLock(ctx.Sender)
+	userMu.Lock()
+	defer userMu.Unlock()
+
+	// Reload fresh
+	char, _, err := p.ensureCharacter(ctx.Sender)
+	if err != nil {
+		return p.SendDM(ctx.Sender, "Failed to load your character.")
+	}
+	balance = p.euro.GetBalance(ctx.Sender)
+
+	if char.HouseLoanBalance > 0 {
+		return p.SendDM(ctx.Sender, "You still have an outstanding loan. Pay it off first with `!thom payoff`.")
+	}
+
+	nextDef := houseNextTier(char.HouseTier)
+	if nextDef == nil {
+		return p.SendDM(ctx.Sender, "You've reached max tier. There is nothing left to sell you.")
+	}
+
+	def := *nextDef
+	totalCost := houseTotalCost(def.BasePrice)
+
+	// Parse optional down payment
+	downPayment := 0
+	if downPaymentStr != "" {
+		dp := 0
+		for _, c := range downPaymentStr {
+			if c < '0' || c > '9' {
+				return p.SendDM(ctx.Sender, "Down payment must be a number. Example: `!thom buy 10000`")
+			}
+			dp = dp*10 + int(c-'0')
+		}
+		downPayment = dp
+	}
+
+	if downPayment > 0 && float64(downPayment) > balance {
+		return p.SendDM(ctx.Sender, fmt.Sprintf("You can't afford a €%d down payment. Balance: €%.0f.", downPayment, balance))
+	}
+
+	if downPayment >= totalCost {
+		// Full purchase, no loan
+		if !p.euro.Debit(ctx.Sender, float64(totalCost), "house_purchase_full") {
+			return p.SendDM(ctx.Sender, "Transaction failed.")
+		}
+		char.HouseTier = def.Tier
+		if err := saveAdvCharacter(char); err != nil {
+			p.euro.Credit(ctx.Sender, float64(totalCost), "house_purchase_refund")
+			return p.SendDM(ctx.Sender, "Failed to save. You've been refunded.")
+		}
+		return p.SendDM(ctx.Sender, fmt.Sprintf("🏠 **%s** purchased outright for €%d.\n\nNo loan. No weekly payments. Thom is visibly disappointed.", def.Name, totalCost))
+	}
+
+	// Loan purchase
+	loanAmount := totalCost - downPayment
+
+	// Get current mortgage rate
+	rate := getCurrentMortgageRate()
+	if rate <= 0 {
+		rate = 6.5 // fallback default
+	}
+
+	// Debit down payment if any
+	if downPayment > 0 {
+		if !p.euro.Debit(ctx.Sender, float64(downPayment), "house_down_payment") {
+			return p.SendDM(ctx.Sender, "Transaction failed.")
+		}
+	}
+
+	char.HouseTier = def.Tier
+	char.HouseLoanBalance = loanAmount
+	char.HouseCurrentRate = rate
+	char.HouseMissedPayments = 0
+	char.HouseLoanFrozen = false
+
+	if err := saveAdvCharacter(char); err != nil {
+		if downPayment > 0 {
+			p.euro.Credit(ctx.Sender, float64(downPayment), "house_dp_refund")
+		}
+		return p.SendDM(ctx.Sender, "Failed to save. You've been refunded.")
+	}
+
+	weekly := houseWeeklyPayment(loanAmount, rate)
+	var sb strings.Builder
+	sb.WriteString(fmt.Sprintf("🏠 **%s** purchased!\n\n", def.Name))
+	if downPayment > 0 {
+		sb.WriteString(fmt.Sprintf("Down payment: €%d\n", downPayment))
+	}
+	sb.WriteString(fmt.Sprintf("Loan balance: €%d\n", loanAmount))
+	sb.WriteString(fmt.Sprintf("Weekly payment: ~€%d (%.2f%% ARM rate)\n", weekly, rate))
+	sb.WriteString("\nPayments are collected weekly. Enable autopay for a 2% discount: `!thom autopay`")
+
+	return p.SendDM(ctx.Sender, sb.String())
+}
+
+// ── Payoff ─────────────────────────────────────────────────────────────────
+
+func (p *AdventurePlugin) handleThomPayoff(ctx MessageContext, char *AdventureCharacter) error {
+	userMu := p.advUserLock(ctx.Sender)
+	userMu.Lock()
+	defer userMu.Unlock()
+
+	// Reload fresh
+	char, _, err := p.ensureCharacter(ctx.Sender)
+	if err != nil {
+		return p.SendDM(ctx.Sender, "Failed to load your character.")
+	}
+
+	if char.HouseLoanBalance <= 0 {
+		return p.SendDM(ctx.Sender, "You don't have an outstanding loan.")
+	}
+
+	balance := p.euro.GetBalance(ctx.Sender)
+	if balance < float64(char.HouseLoanBalance) {
+		return p.SendDM(ctx.Sender, fmt.Sprintf("You need €%d to pay off the loan. Balance: €%.0f.", char.HouseLoanBalance, balance))
+	}
+
+	payoffAmount := float64(char.HouseLoanBalance)
+	if !p.euro.Debit(ctx.Sender, payoffAmount, "house_payoff") {
+		return p.SendDM(ctx.Sender, "Transaction failed.")
+	}
+
+	char.HouseLoanBalance = 0
+	char.HouseLoanFrozen = false
+	char.HouseMissedPayments = 0
+	if err := saveAdvCharacter(char); err != nil {
+		p.euro.Credit(ctx.Sender, payoffAmount, "house_payoff_refund")
+		return p.SendDM(ctx.Sender, "Failed to save. Your money has been refunded.")
+	}
+
+	if char.HasPet() {
+		return p.SendDM(ctx.Sender, fmt.Sprintf("🏠 %s", fmt.Sprintf(thomPaidOffPet, char.PetName)))
+	}
+	return p.SendDM(ctx.Sender, fmt.Sprintf("🏠 %s", thomPaidOffNoPet))
+}
+
+// ── Extra Payment ─────────────────────────────────────────────────────────
+
+func (p *AdventurePlugin) handleThomPay(ctx MessageContext, char *AdventureCharacter, amountStr string) error {
+	userMu := p.advUserLock(ctx.Sender)
+	userMu.Lock()
+	defer userMu.Unlock()
+
+	char, _, err := p.ensureCharacter(ctx.Sender)
+	if err != nil {
+		return p.SendDM(ctx.Sender, "Failed to load your character.")
+	}
+
+	if char.HouseLoanBalance <= 0 {
+		return p.SendDM(ctx.Sender, "You don't have an outstanding loan.")
+	}
+
+	amount, err := strconv.Atoi(amountStr)
+	if err != nil || amount <= 0 {
+		return p.SendDM(ctx.Sender, "Usage: `!thom pay <amount>` — e.g. `!thom pay 5000`")
+	}
+
+	// Cap at remaining balance
+	if amount > char.HouseLoanBalance {
+		amount = char.HouseLoanBalance
+	}
+
+	balance := p.euro.GetBalance(ctx.Sender)
+	if balance < float64(amount) {
+		return p.SendDM(ctx.Sender, fmt.Sprintf("You need €%d but only have €%.0f.", amount, balance))
+	}
+
+	if !p.euro.Debit(ctx.Sender, float64(amount), "house_extra_payment") {
+		return p.SendDM(ctx.Sender, "Transaction failed.")
+	}
+
+	char.HouseLoanBalance -= amount
+	if char.HouseLoanBalance <= 0 {
+		char.HouseLoanBalance = 0
+		char.HouseLoanFrozen = false
+		char.HouseMissedPayments = 0
+	}
+
+	if err := saveAdvCharacter(char); err != nil {
+		p.euro.Credit(ctx.Sender, float64(amount), "house_extra_payment_refund")
+		return p.SendDM(ctx.Sender, "Failed to save. Your money has been refunded.")
+	}
+
+	if char.HouseLoanBalance == 0 {
+		if char.HasPet() {
+			return p.SendDM(ctx.Sender, fmt.Sprintf("🏠 Payment of €%d received. %s", amount, fmt.Sprintf(thomPaidOffPet, char.PetName)))
+		}
+		return p.SendDM(ctx.Sender, fmt.Sprintf("🏠 Payment of €%d received. %s", amount, thomPaidOffNoPet))
+	}
+
+	return p.SendDM(ctx.Sender, fmt.Sprintf("🏠 Payment of €%d received. Remaining balance: €%d.", amount, char.HouseLoanBalance))
+}
+
+// ── Autopay Toggle ─────────────────────────────────────────────────────────
+
+func (p *AdventurePlugin) handleThomAutopay(ctx MessageContext, char *AdventureCharacter) error {
+	userMu := p.advUserLock(ctx.Sender)
+	userMu.Lock()
+	defer userMu.Unlock()
+
+	char, _, err := p.ensureCharacter(ctx.Sender)
+	if err != nil {
+		return p.SendDM(ctx.Sender, "Failed to load your character.")
+	}
+
+	if char.HouseLoanBalance <= 0 {
+		return p.SendDM(ctx.Sender, "You don't have an outstanding loan.")
+	}
+
+	char.HouseAutopay = !char.HouseAutopay
+	if err := saveAdvCharacter(char); err != nil {
+		return p.SendDM(ctx.Sender, "Failed to save.")
+	}
+
+	if char.HouseAutopay {
+		return p.SendDM(ctx.Sender, "✅ Autopay enabled. 2% discount on weekly payments. Thom calls this a favour. It is not.")
+	}
+	return p.SendDM(ctx.Sender, "Autopay disabled.")
+}
+
+// ── Weekly Mortgage Payment Processing ─────────────────────────────────────
+
+func (p *AdventurePlugin) processMortgagePayments() {
+	chars, err := loadAllAdvCharacters()
+	if err != nil {
+		slog.Error("mortgage: failed to load characters", "err", err)
+		return
+	}
+
+	for _, char := range chars {
+		if char.HouseLoanBalance <= 0 {
+			continue
+		}
+		if char.HouseLoanFrozen {
+			continue
+		}
+
+		userMu := p.advUserLock(char.UserID)
+		userMu.Lock()
+
+		// Reload fresh inside lock
+		freshChar, err := loadAdvCharacter(char.UserID)
+		if err != nil || freshChar.HouseLoanBalance <= 0 || freshChar.HouseLoanFrozen {
+			userMu.Unlock()
+			continue
+		}
+
+		weekly := houseWeeklyPayment(freshChar.HouseLoanBalance, freshChar.HouseCurrentRate)
+		if freshChar.HouseAutopay {
+			weekly = int(float64(weekly) * 0.98)
+		}
+
+		if p.euro.Debit(freshChar.UserID, float64(weekly), "mortgage_weekly") {
+			freshChar.HouseLoanBalance -= weekly
+			if freshChar.HouseLoanBalance <= 0 {
+				freshChar.HouseLoanBalance = 0
+				freshChar.HouseMissedPayments = 0
+				_ = saveAdvCharacter(freshChar)
+				userMu.Unlock()
+				// Paid off!
+				if freshChar.HasPet() {
+					_ = p.SendDM(freshChar.UserID, fmt.Sprintf("🏠 %s", fmt.Sprintf(thomPaidOffPet, freshChar.PetName)))
+				} else {
+					_ = p.SendDM(freshChar.UserID, fmt.Sprintf("🏠 %s", thomPaidOffNoPet))
+				}
+				continue
+			}
+			freshChar.HouseMissedPayments = 0
+			_ = saveAdvCharacter(freshChar)
+			userMu.Unlock()
+		} else {
+			// Missed payment
+			penalty := houseMissedPenalty(weekly)
+			freshChar.HouseLoanBalance += penalty
+			freshChar.HouseMissedPayments++
+
+			if freshChar.HouseMissedPayments >= 10 {
+				freshChar.HouseLoanFrozen = true
+				_ = saveAdvCharacter(freshChar)
+				userMu.Unlock()
+				if freshChar.HasPet() {
+					_ = p.SendDM(freshChar.UserID, fmt.Sprintf("🏠 %s", fmt.Sprintf(thomFreezePet, freshChar.PetName)))
+				} else {
+					_ = p.SendDM(freshChar.UserID, fmt.Sprintf("🏠 %s", thomFreezeNoPet))
+				}
+			} else {
+				_ = saveAdvCharacter(freshChar)
+				userMu.Unlock()
+				if freshChar.HasPet() {
+					_ = p.SendDM(freshChar.UserID, fmt.Sprintf("🏠 %s", fmt.Sprintf(thomMissedPaymentPet, freshChar.HouseLoanBalance, freshChar.PetName)))
+				} else {
+					_ = p.SendDM(freshChar.UserID, fmt.Sprintf("🏠 %s", fmt.Sprintf(thomMissedPaymentNoPet, freshChar.HouseLoanBalance)))
+				}
+			}
+		}
+	}
+}
+
+// ── Mortgage Rate Change DMs ───────────────────────────────────────────────
+
+func (p *AdventurePlugin) sendMortgageRateChangeDMs(oldRate, newRate float64) {
+	if oldRate == newRate {
+		return
+	}
+
+	chars, err := loadAllAdvCharacters()
+	if err != nil {
+		slog.Error("mortgage: failed to load characters for rate DMs", "err", err)
+		return
+	}
+
+	increased := newRate > oldRate
+
+	for _, char := range chars {
+		if char.HouseLoanBalance <= 0 {
+			continue
+		}
+
+		// Update rate
+		userMu := p.advUserLock(char.UserID)
+		userMu.Lock()
+		freshChar, err := loadAdvCharacter(char.UserID)
+		if err != nil || freshChar.HouseLoanBalance <= 0 {
+			userMu.Unlock()
+			continue
+		}
+		freshChar.HouseCurrentRate = newRate
+		_ = saveAdvCharacter(freshChar)
+		userMu.Unlock()
+
+		newWeekly := houseWeeklyPayment(freshChar.HouseLoanBalance, newRate)
+		amount := fmt.Sprintf("%d", newWeekly)
+
+		var pool []string
+		if freshChar.HasPet() {
+			if increased {
+				pool = ThomRateIncreasePet
+			} else {
+				pool = ThomRateDecreasePet
+			}
+		} else {
+			if increased {
+				pool = ThomRateIncrease
+			} else {
+				pool = ThomRateDecrease
+			}
+		}
+
+		line := pool[rand.IntN(len(pool))]
+		line = strings.ReplaceAll(line, "{amount}", amount)
+		if freshChar.HasPet() {
+			line = strings.ReplaceAll(line, "{pet_name}", freshChar.PetName)
+		}
+
+		_ = p.SendDM(char.UserID, fmt.Sprintf("🏠 %s", line))
+
+		// Jitter
+		time.Sleep(time.Duration(500+rand.IntN(1500)) * time.Millisecond)
+	}
+}
+
+// ── Pet Armor Shop ─────────────────────────────────────────────────────────
+
+type PetArmorDef struct {
+	Tier         int
+	Name         string
+	DeflectBonus float64
+	Price        int
+}
+
+var petDogArmor = []PetArmorDef{
+	{Tier: 1, Name: "Leather Dog Barding", DeflectBonus: 0.015, Price: 225},
+	{Tier: 2, Name: "Chain Dog Barding", DeflectBonus: 0.03, Price: 675},
+	{Tier: 3, Name: "Plate Dog Barding", DeflectBonus: 0.05, Price: 2250},
+	{Tier: 4, Name: "Enchanted Dog Barding", DeflectBonus: 0.075, Price: 11250},
+	{Tier: 5, Name: "Dragonscale Dog Barding", DeflectBonus: 0.105, Price: 45000},
+}
+
+var petCatArmor = []PetArmorDef{
+	{Tier: 1, Name: "Leather Cat Armor", DeflectBonus: 0.015, Price: 225},
+	{Tier: 2, Name: "Chain Cat Armor", DeflectBonus: 0.03, Price: 675},
+	{Tier: 3, Name: "Plate Cat Armor", DeflectBonus: 0.05, Price: 2250},
+	{Tier: 4, Name: "Enchanted Cat Armor", DeflectBonus: 0.075, Price: 11250},
+	{Tier: 5, Name: "Dragonscale Cat Armor", DeflectBonus: 0.105, Price: 45000},
+}
+
+func petArmorDefs(petType string) []PetArmorDef {
+	if petType == "dog" {
+		return petDogArmor
+	}
+	return petCatArmor
+}
+
+func petArmorShopView(char *AdventureCharacter) string {
+	var sb strings.Builder
+	defs := petArmorDefs(char.PetType)
+
+	if char.PetArmorTier >= 5 {
+		sb.WriteString("✨ Max pet armor tier reached. There is nothing left to buy.\n")
+		return sb.String()
+	}
+
+	for _, def := range defs {
+		if def.Tier <= char.PetArmorTier {
+			if def.Tier == char.PetArmorTier {
+				sb.WriteString(fmt.Sprintf("🟢 %s (T%d) — Currently equipped\n", def.Name, def.Tier))
+			}
+			continue
+		}
+		indicator := "⬆️"
+		sb.WriteString(fmt.Sprintf("%s %s (T%d) — €%d — +%.1f%% deflect\n", indicator, def.Name, def.Tier, def.Price, def.DeflectBonus*100))
+	}
+	sb.WriteString(fmt.Sprintf("\nTo buy: `!thom petbuy <tier>` (e.g., `!thom petbuy %d`)", char.PetArmorTier+1))
+	return sb.String()
+}
+
+func (p *AdventurePlugin) handlePetArmorBuy(ctx MessageContext, char *AdventureCharacter, tierStr string) error {
+	userMu := p.advUserLock(ctx.Sender)
+	userMu.Lock()
+	defer userMu.Unlock()
+
+	char, _, err := p.ensureCharacter(ctx.Sender)
+	if err != nil {
+		return p.SendDM(ctx.Sender, "Failed to load your character.")
+	}
+
+	if !char.HasPet() {
+		return p.SendDM(ctx.Sender, "You don't have a pet.")
+	}
+	if !char.PetSupplyShopUnlocked {
+		return p.SendDM(ctx.Sender, "Pet supplies aren't available yet.")
+	}
+
+	tier := 0
+	for _, c := range tierStr {
+		if c < '0' || c > '9' {
+			return p.SendDM(ctx.Sender, "Usage: `!thom petbuy <tier>`")
+		}
+		tier = tier*10 + int(c-'0')
+	}
+
+	if tier != char.PetArmorTier+1 {
+		if tier <= char.PetArmorTier {
+			return p.SendDM(ctx.Sender, "That's not an upgrade.")
+		}
+		return p.SendDM(ctx.Sender, fmt.Sprintf("You need to buy tier %d first.", char.PetArmorTier+1))
+	}
+
+	defs := petArmorDefs(char.PetType)
+	var def *PetArmorDef
+	for i := range defs {
+		if defs[i].Tier == tier {
+			def = &defs[i]
+			break
+		}
+	}
+	if def == nil {
+		return p.SendDM(ctx.Sender, "Invalid tier.")
+	}
+
+	balance := p.euro.GetBalance(ctx.Sender)
+	if balance < float64(def.Price) {
+		return p.SendDM(ctx.Sender, fmt.Sprintf("%s deserves better, but you can't afford €%d. Balance: €%.0f.", char.PetName, def.Price, balance))
+	}
+
+	if !p.euro.Debit(ctx.Sender, float64(def.Price), "pet_armor_"+tierStr) {
+		return p.SendDM(ctx.Sender, "Transaction failed.")
+	}
+
+	char.PetArmorTier = tier
+	if err := saveAdvCharacter(char); err != nil {
+		p.euro.Credit(ctx.Sender, float64(def.Price), "pet_armor_refund")
+		return p.SendDM(ctx.Sender, "Failed to save. Refunded.")
+	}
+
+	return p.SendDM(ctx.Sender, fmt.Sprintf("🐾 **%s** equipped on %s.\n\n+%.1f%% deflect bonus. %s looks... objectively better than you.", def.Name, char.PetName, def.DeflectBonus*100, char.PetName))
+}
--- a/internal/plugin/adventure_housing_test.go
+++ b/internal/plugin/adventure_housing_test.go
@@ -0,0 +1,375 @@
+package plugin
+
+import (
+	"strings"
+	"testing"
+)
+
+// ── Housing Tier Definitions ───────────────────────────────────────────────
+
+func TestHouseTierByTier_Valid(t *testing.T) {
+	for _, def := range houseTiers {
+		got := houseTierByTier(def.Tier)
+		if got == nil {
+			t.Errorf("houseTierByTier(%d) returned nil", def.Tier)
+			continue
+		}
+		if got.Tier != def.Tier {
+			t.Errorf("houseTierByTier(%d).Tier = %d", def.Tier, got.Tier)
+		}
+	}
+}
+
+func TestHouseTierByTier_Invalid(t *testing.T) {
+	if houseTierByTier(0) != nil {
+		t.Error("tier 0 (no house) should return nil")
+	}
+	if houseTierByTier(99) != nil {
+		t.Error("tier 99 should return nil")
+	}
+}
+
+func TestHouseNextTier(t *testing.T) {
+	// From no house (tier 0) → tier 1
+	def := houseNextTier(0)
+	if def == nil || def.Tier != 1 {
+		t.Error("next tier from 0 should be 1")
+	}
+	// From tier 1 → tier 2
+	def = houseNextTier(1)
+	if def == nil || def.Tier != 2 {
+		t.Error("next tier from 1 should be 2")
+	}
+	// From max tier → nil
+	def = houseNextTier(4)
+	if def != nil {
+		t.Error("next tier from max should be nil")
+	}
+}
+
+// ── Closing Costs ──────────────────────────────────────────────────────────
+
+func TestHouseClosingCosts(t *testing.T) {
+	// 11% of 75000 = 8250
+	costs := houseClosingCosts(75000)
+	if costs != 8250 {
+		t.Errorf("closing costs on 75000: got %d, want 8250", costs)
+	}
+}
+
+func TestHouseTotalCost(t *testing.T) {
+	// 75000 + 11% = 83250
+	total := houseTotalCost(75000)
+	if total != 83250 {
+		t.Errorf("total cost on 75000: got %d, want 83250", total)
+	}
+}
+
+// ── Weekly Payment ─────────────────────────────────────────────────────────
+
+func TestHouseWeeklyPayment_Normal(t *testing.T) {
+	// 100000 balance at 6.5%: interest = 100000*0.065/52 ≈ 125, principal = 100000*0.005 = 500
+	// Total ≈ 625
+	payment := houseWeeklyPayment(100000, 6.5)
+	if payment < 600 || payment > 650 {
+		t.Errorf("weekly payment on 100k at 6.5%%: got %d, want ~625", payment)
+	}
+}
+
+func TestHouseWeeklyPayment_ZeroBalance(t *testing.T) {
+	if houseWeeklyPayment(0, 6.5) != 0 {
+		t.Error("zero balance should produce zero payment")
+	}
+}
+
+func TestHouseWeeklyPayment_ZeroRate(t *testing.T) {
+	if houseWeeklyPayment(100000, 0) != 0 {
+		t.Error("zero rate should produce zero payment")
+	}
+}
+
+func TestHouseWeeklyPayment_MinimumOne(t *testing.T) {
+	// Very small balance should still yield at least 1
+	payment := houseWeeklyPayment(1, 0.01)
+	if payment < 1 {
+		t.Errorf("tiny balance should produce at least 1, got %d", payment)
+	}
+}
+
+// ── Missed Payment Penalty ─────────────────────────────────────────────────
+
+func TestHouseMissedPenalty(t *testing.T) {
+	// 5% of 625 = 31
+	penalty := houseMissedPenalty(625)
+	if penalty != 31 {
+		t.Errorf("missed penalty on 625 weekly: got %d, want 31", penalty)
+	}
+}
+
+func TestHouseMissedPenalty_Minimum(t *testing.T) {
+	// Tiny payment should still yield at least 1
+	penalty := houseMissedPenalty(1)
+	if penalty < 1 {
+		t.Errorf("penalty should be at least 1, got %d", penalty)
+	}
+}
+
+// ── Character Helper Methods ───────────────────────────────────────────────
+
+func TestHasHouse(t *testing.T) {
+	tests := []struct {
+		name     string
+		tier     int
+		loan     int
+		expected bool
+	}{
+		{"no house", 0, 0, false},
+		{"base house", 1, 0, true},
+		{"loan only", 0, 50000, true},
+		{"livable with loan", 2, 100000, true},
+	}
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			char := &AdventureCharacter{HouseTier: tt.tier, HouseLoanBalance: tt.loan}
+			if char.HasHouse() != tt.expected {
+				t.Errorf("HasHouse() = %v, want %v", char.HasHouse(), tt.expected)
+			}
+		})
+	}
+}
+
+func TestHouseHPBonus(t *testing.T) {
+	tests := []struct {
+		tier     int
+		expected float64
+	}{
+		{0, 0},
+		{1, 0},     // Base house — no bonus
+		{2, 0.05},  // Livable
+		{3, 0.12},  // Comfortable
+		{4, 0.20},  // Established
+	}
+	for _, tt := range tests {
+		char := &AdventureCharacter{HouseTier: tt.tier}
+		if bonus := char.HouseHPBonus(); bonus != tt.expected {
+			t.Errorf("tier %d: HouseHPBonus() = %f, want %f", tt.tier, bonus, tt.expected)
+		}
+	}
+}
+
+// ── Thom Greeting ──────────────────────────────────────────────────────────
+
+func TestThomGreeting_PreAdoption(t *testing.T) {
+	char := &AdventureCharacter{}
+	greeting := thomGreeting(char)
+	found := false
+	for _, g := range thomGreetingsPreAdoption {
+		if greeting == g {
+			found = true
+			break
+		}
+	}
+	if !found {
+		t.Errorf("pre-adoption greeting not from expected pool: %q", greeting)
+	}
+}
+
+func TestThomGreeting_PostAdoption(t *testing.T) {
+	char := &AdventureCharacter{PetType: "dog", PetName: "Rex", PetArrived: true, PetLevel: 5}
+	greeting := thomGreeting(char)
+	found := false
+	for _, g := range thomGreetingsPostAdoption {
+		if greeting == g {
+			found = true
+			break
+		}
+	}
+	if !found {
+		t.Errorf("post-adoption greeting not from expected pool: %q", greeting)
+	}
+}
+
+func TestThomGreeting_PostLevel10(t *testing.T) {
+	char := &AdventureCharacter{PetType: "cat", PetName: "Whiskers", PetArrived: true, PetLevel: 10}
+	greeting := thomGreeting(char)
+	if !strings.Contains(greeting, "Whiskers") {
+		t.Errorf("post-level-10 greeting should contain pet name, got: %q", greeting)
+	}
+}
+
+// ── Thom Shop View ─────────────────────────────────────────────────────────
+
+func TestThomShopView_NoHouse(t *testing.T) {
+	char := &AdventureCharacter{}
+	text := thomShopView(char, 100000)
+
+	if !strings.Contains(text, "Krooke Realty") {
+		t.Error("should contain shop name")
+	}
+	if !strings.Contains(text, "don't own a house") {
+		t.Error("should mention no house")
+	}
+	if !strings.Contains(text, "Base House") {
+		t.Error("should show first tier available")
+	}
+	if !strings.Contains(text, "€75000") {
+		t.Error("should show base price")
+	}
+}
+
+func TestThomShopView_WithLoan(t *testing.T) {
+	char := &AdventureCharacter{HouseTier: 1, HouseLoanBalance: 50000, HouseCurrentRate: 6.5}
+	text := thomShopView(char, 10000)
+
+	if !strings.Contains(text, "Loan balance") {
+		t.Error("should show loan balance")
+	}
+	if !strings.Contains(text, "Pay off") {
+		t.Error("should mention paying off loan")
+	}
+}
+
+func TestThomShopView_MaxTier(t *testing.T) {
+	char := &AdventureCharacter{HouseTier: 4} // max tier
+	text := thomShopView(char, 999999)
+
+	if !strings.Contains(text, "Max tier") {
+		t.Error("should mention max tier reached")
+	}
+}
+
+func TestThomShopView_Autopay(t *testing.T) {
+	char := &AdventureCharacter{HouseTier: 1, HouseLoanBalance: 50000, HouseCurrentRate: 6.5, HouseAutopay: true}
+	text := thomShopView(char, 10000)
+
+	if !strings.Contains(text, "autopay") {
+		t.Error("should show autopay status")
+	}
+}
+
+func TestThomShopView_Frozen(t *testing.T) {
+	char := &AdventureCharacter{HouseTier: 1, HouseLoanBalance: 50000, HouseCurrentRate: 6.5, HouseLoanFrozen: true}
+	text := thomShopView(char, 10000)
+
+	if !strings.Contains(text, "FROZEN") {
+		t.Error("should show frozen status")
+	}
+}
+
+// ── Pet Armor ──────────────────────────────────────────────────────────────
+
+func TestPetArmorDefs_BothTypes(t *testing.T) {
+	dogDefs := petArmorDefs("dog")
+	catDefs := petArmorDefs("cat")
+
+	if len(dogDefs) != 5 {
+		t.Errorf("dog armor: got %d tiers, want 5", len(dogDefs))
+	}
+	if len(catDefs) != 5 {
+		t.Errorf("cat armor: got %d tiers, want 5", len(catDefs))
+	}
+
+	// Verify tiers are sequential 1-5
+	for i, def := range dogDefs {
+		if def.Tier != i+1 {
+			t.Errorf("dog armor[%d].Tier = %d, want %d", i, def.Tier, i+1)
+		}
+	}
+
+	// Deflect bonuses should increase with tier
+	for i := 1; i < len(dogDefs); i++ {
+		if dogDefs[i].DeflectBonus <= dogDefs[i-1].DeflectBonus {
+			t.Errorf("dog armor tier %d deflect bonus should exceed tier %d", dogDefs[i].Tier, dogDefs[i-1].Tier)
+		}
+	}
+}
+
+func TestPetArmorShopView_HasUpgrades(t *testing.T) {
+	char := &AdventureCharacter{PetType: "dog", PetName: "Rex", PetArrived: true, PetArmorTier: 0}
+	text := petArmorShopView(char)
+
+	if !strings.Contains(text, "⬆️") {
+		t.Error("should show upgrade indicators")
+	}
+	if !strings.Contains(text, "petbuy") {
+		t.Error("should show buy instructions")
+	}
+}
+
+func TestPetArmorShopView_MaxTier(t *testing.T) {
+	char := &AdventureCharacter{PetType: "cat", PetName: "Luna", PetArrived: true, PetArmorTier: 5}
+	text := petArmorShopView(char)
+
+	if !strings.Contains(text, "Max pet armor") {
+		t.Error("should show max tier message")
+	}
+}
+
+// ── Flavor Pool Coverage ───────────────────────────────────────────────────
+
+func TestThomFlavorPools_NonEmpty(t *testing.T) {
+	pools := map[string][]string{
+		"thomGreetingsPreAdoption":  thomGreetingsPreAdoption,
+		"thomGreetingsPostAdoption": thomGreetingsPostAdoption,
+		"thomGreetingsPostLevel10":  thomGreetingsPostLevel10,
+		"thomHouseSellingLines":     thomHouseSellingLines,
+		"ThomRateIncrease":          ThomRateIncrease,
+		"ThomRateDecrease":          ThomRateDecrease,
+		"ThomRateIncreasePet":       ThomRateIncreasePet,
+		"ThomRateDecreasePet":       ThomRateDecreasePet,
+	}
+	for name, pool := range pools {
+		if len(pool) == 0 {
+			t.Errorf("flavor pool %s is empty", name)
+		}
+	}
+}
+
+func TestThomRateFlavor_Placeholders(t *testing.T) {
+	for i, line := range ThomRateIncrease {
+		if !strings.Contains(line, "{amount}") {
+			t.Errorf("ThomRateIncrease[%d] missing {amount} placeholder", i)
+		}
+	}
+	for i, line := range ThomRateDecrease {
+		if !strings.Contains(line, "{amount}") {
+			t.Errorf("ThomRateDecrease[%d] missing {amount} placeholder", i)
+		}
+	}
+	for i, line := range ThomRateIncreasePet {
+		if !strings.Contains(line, "{amount}") {
+			t.Errorf("ThomRateIncreasePet[%d] missing {amount} placeholder", i)
+		}
+		if !strings.Contains(line, "{pet_name}") {
+			t.Errorf("ThomRateIncreasePet[%d] missing {pet_name} placeholder", i)
+		}
+	}
+	for i, line := range ThomRateDecreasePet {
+		if !strings.Contains(line, "{amount}") {
+			t.Errorf("ThomRateDecreasePet[%d] missing {amount} placeholder", i)
+		}
+		if !strings.Contains(line, "{pet_name}") {
+			t.Errorf("ThomRateDecreasePet[%d] missing {pet_name} placeholder", i)
+		}
+	}
+}
+
+// ── House Tiers Sanity ─────────────────────────────────────────────────────
+
+func TestHouseTiers_PricesIncreasing(t *testing.T) {
+	for i := 1; i < len(houseTiers); i++ {
+		if houseTiers[i].BasePrice <= houseTiers[i-1].BasePrice {
+			t.Errorf("tier %d price (%d) should exceed tier %d price (%d)",
+				houseTiers[i].Tier, houseTiers[i].BasePrice,
+				houseTiers[i-1].Tier, houseTiers[i-1].BasePrice)
+		}
+	}
+}
+
+func TestHouseTiers_SequentialTiers(t *testing.T) {
+	for i, def := range houseTiers {
+		if def.Tier != i+1 {
+			t.Errorf("houseTiers[%d].Tier = %d, want %d", i, def.Tier, i+1)
+		}
+	}
+}
--- a/internal/plugin/adventure_mortgage.go
+++ b/internal/plugin/adventure_mortgage.go
@@ -0,0 +1,158 @@
+package plugin
+
+import (
+	"encoding/json"
+	"fmt"
+	"log/slog"
+	"net/http"
+	"os"
+	"strconv"
+	"time"
+
+	"gogobee/internal/db"
+)
+
+// ── FRED API Integration ───────────────────────────────────────────────────
+//
+// Pulls the 5/1 ARM rate weekly from FRED (series: MORTGAGE5US).
+// Requires FRED_API_KEY environment variable.
+// Falls back to a hardcoded default if the API is unavailable.
+
+const fredSeries = "MORTGAGE5US"
+const defaultMortgageRate = 6.5
+const currentRateCacheKey = "mortgage_current_rate"
+
+type fredResponse struct {
+	Observations []struct {
+		Date  string `json:"date"`
+		Value string `json:"value"`
+	} `json:"observations"`
+}
+
+// fetchFREDRate pulls the latest 5/1 ARM rate from the FRED API.
+func fetchFREDRate() (float64, error) {
+	apiKey := os.Getenv("FRED_API_KEY")
+	if apiKey == "" {
+		return 0, fmt.Errorf("FRED_API_KEY not set")
+	}
+
+	url := fmt.Sprintf(
+		"https://api.stlouisfed.org/fred/series/observations?series_id=%s&api_key=%s&file_type=json&sort_order=desc&limit=1",
+		fredSeries, apiKey,
+	)
+
+	client := &http.Client{Timeout: 10 * time.Second}
+	resp, err := client.Get(url)
+	if err != nil {
+		return 0, fmt.Errorf("FRED API request: %w", err)
+	}
+	defer resp.Body.Close()
+
+	if resp.StatusCode != 200 {
+		return 0, fmt.Errorf("FRED API status %d", resp.StatusCode)
+	}
+
+	var data fredResponse
+	if err := json.NewDecoder(resp.Body).Decode(&data); err != nil {
+		return 0, fmt.Errorf("FRED JSON decode: %w", err)
+	}
+
+	if len(data.Observations) == 0 {
+		return 0, fmt.Errorf("FRED: no observations returned")
+	}
+
+	val := data.Observations[0].Value
+	if val == "." {
+		return 0, fmt.Errorf("FRED: value is placeholder")
+	}
+
+	rate, err := strconv.ParseFloat(val, 64)
+	if err != nil {
+		return 0, fmt.Errorf("FRED: parse rate %q: %w", val, err)
+	}
+
+	// Clamp to sane range
+	if rate < 1.0 {
+		rate = 1.0
+	}
+	if rate > 15.0 {
+		rate = 15.0
+	}
+
+	return rate, nil
+}
+
+// getCurrentMortgageRate returns the cached rate, or fetches fresh if stale (daily).
+func getCurrentMortgageRate() float64 {
+	// Check DB cache (24h TTL)
+	if val := db.CacheGet(currentRateCacheKey, 24*3600); val != "" {
+		if rate, err := strconv.ParseFloat(val, 64); err == nil {
+			return rate
+		}
+	}
+
+	rate, err := fetchFREDRate()
+	if err != nil {
+		slog.Warn("mortgage: FRED fetch failed, using default", "err", err)
+		return defaultMortgageRate
+	}
+
+	db.CacheSet(currentRateCacheKey, strconv.FormatFloat(rate, 'f', 2, 64))
+	return rate
+}
+
+// ── Weekly Mortgage Ticker ─────────────────────────────────────────────────
+
+func (p *AdventurePlugin) mortgageTicker() {
+	ticker := time.NewTicker(1 * time.Hour)
+	defer ticker.Stop()
+
+	for range ticker.C {
+		now := time.Now().UTC()
+		// Run on Mondays only (FRED updates Thursdays, we process Mondays)
+		if now.Weekday() != time.Monday {
+			continue
+		}
+
+		_, week := now.ISOWeek()
+		dateKey := fmt.Sprintf("%d-W%02d", now.Year(), week)
+		jobName := "mortgage_weekly"
+		if db.JobCompleted(jobName, dateKey) {
+			continue
+		}
+
+		slog.Info("mortgage: running weekly payment processing")
+
+		// Fetch fresh rate and compare with previous
+		newRate := getCurrentMortgageRate()
+		oldRate := p.getLastKnownRate()
+
+		if oldRate > 0 && oldRate != newRate {
+			p.sendMortgageRateChangeDMs(oldRate, newRate)
+		}
+		p.setLastKnownRate(newRate)
+
+		// Process payments
+		p.processMortgagePayments()
+
+		db.MarkJobCompleted(jobName, dateKey)
+	}
+}
+
+const lastKnownRateCacheKey = "mortgage_last_known_rate"
+
+func (p *AdventurePlugin) getLastKnownRate() float64 {
+	val := db.CacheGet(lastKnownRateCacheKey, 365*24*3600) // 1 year TTL
+	if val == "" {
+		return 0
+	}
+	rate, err := strconv.ParseFloat(val, 64)
+	if err != nil {
+		return 0
+	}
+	return rate
+}
+
+func (p *AdventurePlugin) setLastKnownRate(rate float64) {
+	db.CacheSet(lastKnownRateCacheKey, strconv.FormatFloat(rate, 'f', 2, 64))
+}
--- a/internal/plugin/adventure_npcs.go
+++ b/internal/plugin/adventure_npcs.go
@@ -133,6 +133,7 @@ func (p *AdventurePlugin) npcFireEncounter(userID id.UserID, npc string) {
 	switch npc {
 	case "misty":
 		char.MistyLastSeen = &now
+		char.MistyEncounterCount++
 		opening = mistyOpenings[rand.IntN(len(mistyOpenings))]
 		prompt = fmt.Sprintf("👤 A woman approaches you.\n\n_%s_\n\n"+
 			"Reply `yes` to give €%d, or `no` to walk away.", opening, mistyCost)
@@ -222,11 +223,23 @@ func (p *AdventurePlugin) resolveMisty(ctx MessageContext, char *AdventureCharac
 			return p.SendDM(ctx.Sender, "You reach for your gold but there isn't enough. She sees this. She doesn't say anything.\n\n_"+mistyDeclineLine+"_")
 		}
 		char.MistyBuffExpires = expires
+		char.MistyDonatedCount++
+
+		// Pet reactivation: donating to Misty after chasing pet away
+		mistyReactivatePet(char)
+
 		if err := saveAdvCharacter(char); err != nil {
 			slog.Error("npc: failed to save misty buff", "user", ctx.Sender, "err", err)
 		}

 		reply := mistyAcceptLines[rand.IntN(len(mistyAcceptLines))]
+
+		// Housing hint (fires once after 2+ encounters)
+		hint := mistyHousingHint(char)
+		if hint != "" {
+			reply += "\n\n_" + hint + "_"
+		}
+
 		return p.SendDM(ctx.Sender, fmt.Sprintf("_%s_", reply))
 	}

--- a/internal/plugin/adventure_pets.go
+++ b/internal/plugin/adventure_pets.go
@@ -0,0 +1,448 @@
+package plugin
+
+import (
+	"fmt"
+	"log/slog"
+	"math/rand/v2"
+	"regexp"
+	"strings"
+	"time"
+
+	"maunium.net/go/mautrix/id"
+)
+
+// ── Pet XP & Leveling ──────────────────────────────────────────────────────
+
+const petXPPerAction = 1.5
+
+var petNameValid = regexp.MustCompile(`^[a-zA-Z0-9 '\-]+$`)
+
+// petXPToNextLevel returns XP needed for a given pet level.
+func petXPToNextLevel(level int) int {
+	switch {
+	case level < 3:
+		return 10
+	case level < 5:
+		return 20
+	case level < 8:
+		return 35
+	default:
+		return 50
+	}
+}
+
+// petGrantXP adds XP to the pet and handles level-ups. Returns true if leveled up.
+func petGrantXP(char *AdventureCharacter) bool {
+	if !char.HasPet() || char.PetLevel >= 10 {
+		return false
+	}
+
+	char.PetXP += int(petXPPerAction * 100) // store as centixp for precision
+	leveled := false
+	for char.PetLevel < 10 {
+		needed := petXPToNextLevel(char.PetLevel) * 100
+		if char.PetXP < needed {
+			break
+		}
+		char.PetXP -= needed
+		char.PetLevel++
+		leveled = true
+	}
+
+	if char.PetLevel >= 10 && char.PetLevel10Date == "" {
+		char.PetLevel10Date = time.Now().UTC().Format("2006-01-02")
+	}
+
+	return leveled
+}
+
+// ── Pet Combat Action Probabilities ────────────────────────────────────────
+
+// Base probabilities scale with pet level.
+// Attack: 3% + 1.5% per level (max 18% at L10)
+// Deflect: 2% + 1% per level (max 12% at L10) + armor bonus
+// Ditch recovery: 5% + 2% per level (max 25% at L10)
+
+func petAttackChance(level int) float64 {
+	return 0.03 + float64(level)*0.015
+}
+
+func petDeflectChance(level, armorTier int) float64 {
+	base := 0.02 + float64(level)*0.01
+	defs := petDogArmor // same bonuses for both types
+	for _, d := range defs {
+		if d.Tier == armorTier {
+			base += d.DeflectBonus
+			break
+		}
+	}
+	return base
+}
+
+func petDitchRecoveryChance(level int) float64 {
+	return 0.05 + float64(level)*0.02
+}
+
+// petDitchRecoveryTime returns the death timer based on pet level.
+// Level 1: 5h, Level 5: ~3.5h, Level 10: 1h (linear interpolation).
+func petDitchRecoveryTime(level int) time.Duration {
+	hours := 5.0 - float64(level-1)*4.0/9.0 // 5h at L1, 1h at L10
+	if hours < 1 {
+		hours = 1
+	}
+	return time.Duration(hours * float64(time.Hour))
+}
+
+// ── Pet Combat Results ─────────────────────────────────────────────────────
+
+type PetCombatResult struct {
+	Attacked      bool
+	AttackDamage  int
+	AttackText    string
+	Deflected     bool
+	DeflectText   string
+	DitchRecovery bool
+	DitchText     string
+	VictoryText   string
+	DeathText     string
+}
+
+// petRollCombatActions rolls attack and deflect for a combat round.
+func petRollCombatActions(char *AdventureCharacter, enemyName string) *PetCombatResult {
+	if !char.HasPet() {
+		return nil
+	}
+
+	result := &PetCombatResult{}
+
+	// Attack roll
+	if rand.Float64() < petAttackChance(char.PetLevel) {
+		result.Attacked = true
+		result.AttackDamage = 3 + rand.IntN(5) + char.PetLevel // 3-7 + level
+		var pool []string
+		if char.PetType == "dog" {
+			pool = PetDogAttack
+		} else {
+			pool = PetCatAttack
+		}
+		line := pool[rand.IntN(len(pool))]
+		line = strings.ReplaceAll(line, "{enemy}", enemyName)
+		line = strings.ReplaceAll(line, "{damage}", fmt.Sprintf("%d", result.AttackDamage))
+		result.AttackText = line
+	}
+
+	// Deflect roll
+	if rand.Float64() < petDeflectChance(char.PetLevel, char.PetArmorTier) {
+		result.Deflected = true
+		var pool []string
+		if char.PetType == "dog" {
+			pool = PetDogDeflect
+		} else {
+			pool = PetCatDeflect
+		}
+		line := pool[rand.IntN(len(pool))]
+		line = strings.ReplaceAll(line, "{enemy}", enemyName)
+		result.DeflectText = line
+	}
+
+	return result
+}
+
+// petRollDitchRecovery rolls for pet intervention on player death.
+func petRollDitchRecovery(char *AdventureCharacter) bool {
+	if !char.HasPet() {
+		return false
+	}
+	return rand.Float64() < petDitchRecoveryChance(char.PetLevel)
+}
+
+// petVictoryText returns a random victory reaction line.
+func petVictoryText(char *AdventureCharacter) string {
+	if !char.HasPet() {
+		return ""
+	}
+	var pool []string
+	if char.PetType == "dog" {
+		pool = PetDogVictory
+	} else {
+		pool = PetCatVictory
+	}
+	return pool[rand.IntN(len(pool))]
+}
+
+// petDeathText returns a random death reaction line.
+func petDeathText(char *AdventureCharacter) string {
+	if !char.HasPet() {
+		return ""
+	}
+	var pool []string
+	if char.PetType == "dog" {
+		pool = PetDogDeath
+	} else {
+		pool = PetCatDeath
+	}
+	return pool[rand.IntN(len(pool))]
+}
+
+// ── Pet Arrival Flow ───────────────────────────────────────────────────────
+
+// petShouldArrive checks if pet arrival should trigger.
+// Fires randomly after Tier 1 house upgrade is complete.
+func petShouldArrive(char *AdventureCharacter) bool {
+	if char.PetArrived {
+		return false
+	}
+	// Pet arrives after Tier 1 (Livable) upgrade = HouseTier >= 2
+	if char.HouseTier < 2 {
+		return false
+	}
+	// Pet was chased away and reactivated via Misty — allow re-arrival
+	if char.PetChasedAway {
+		return char.PetReactivated
+	}
+	// 15% daily chance after house tier 1
+	return rand.Float64() < 0.15
+}
+
+// petArrivalDM sends the initial "there's an animal in your house" DM.
+func (p *AdventurePlugin) petArrivalDM(userID id.UserID) {
+	// Don't overwrite an existing pending interaction
+	if _, exists := p.pending.Load(string(userID)); exists {
+		return
+	}
+
+	text := "There's an animal in your house. It looks like a...\n\n" +
+		"🚪 Chase it away\n" +
+		"🍖 Feed it\n\n" +
+		"Reply with `chase` or `feed`."
+
+	p.pending.Store(string(userID), &advPendingInteraction{
+		Type:      "pet_arrival",
+		Data:      &advPendingPetArrival{},
+		ExpiresAt: time.Now().Add(advDMResponseWindow),
+	})
+	_ = p.SendDM(userID, text)
+}
+
+// resolvePetArrival handles the chase/feed response.
+func (p *AdventurePlugin) resolvePetArrival(ctx MessageContext) error {
+	userMu := p.advUserLock(ctx.Sender)
+	userMu.Lock()
+	defer userMu.Unlock()
+
+	char, _, err := p.ensureCharacter(ctx.Sender)
+	if err != nil {
+		return p.SendDM(ctx.Sender, "Failed to load your character.")
+	}
+
+	reply := strings.ToLower(strings.TrimSpace(ctx.Body))
+
+	if reply == "chase" || reply == "🚪" {
+		char.PetChasedAway = true
+		char.PetReactivated = false
+		_ = saveAdvCharacter(char)
+		return p.SendDM(ctx.Sender, "You chased it away. It disappeared around the corner and didn't come back.\n\nThe house is quiet again.")
+	}
+
+	if reply == "feed" || reply == "🍖" {
+		// Ask what type
+		text := "It ate everything you put down. It's still here.\n\n" +
+			"It looks like a...\n\n" +
+			"🐶 Massive Dog\n" +
+			"🐱 Massive Cat\n\n" +
+			"Reply with `dog` or `cat`."
+
+		p.pending.Store(string(ctx.Sender), &advPendingInteraction{
+			Type:      "pet_type",
+			Data:      &advPendingPetType{},
+			ExpiresAt: time.Now().Add(advDMResponseWindow),
+		})
+		return p.SendDM(ctx.Sender, text)
+	}
+
+	// Invalid response — re-prompt
+	p.pending.Store(string(ctx.Sender), &advPendingInteraction{
+		Type:      "pet_arrival",
+		Data:      &advPendingPetArrival{},
+		ExpiresAt: time.Now().Add(advDMResponseWindow),
+	})
+	return p.SendDM(ctx.Sender, "Reply with `chase` or `feed`.")
+}
+
+// resolvePetType handles dog/cat selection.
+func (p *AdventurePlugin) resolvePetType(ctx MessageContext) error {
+	userMu := p.advUserLock(ctx.Sender)
+	userMu.Lock()
+	defer userMu.Unlock()
+
+	reply := strings.ToLower(strings.TrimSpace(ctx.Body))
+
+	petType := ""
+	if reply == "dog" || reply == "🐶" {
+		petType = "dog"
+	} else if reply == "cat" || reply == "🐱" {
+		petType = "cat"
+	}
+
+	if petType == "" {
+		p.pending.Store(string(ctx.Sender), &advPendingInteraction{
+			Type:      "pet_type",
+			Data:      &advPendingPetType{},
+			ExpiresAt: time.Now().Add(advDMResponseWindow),
+		})
+		return p.SendDM(ctx.Sender, "Reply with `dog` or `cat`.")
+	}
+
+	p.pending.Store(string(ctx.Sender), &advPendingInteraction{
+		Type:      "pet_name",
+		Data:      &advPendingPetName{PetType: petType},
+		ExpiresAt: time.Now().Add(advDMResponseWindow),
+	})
+
+	article := "a"
+	if petType == "dog" {
+		article = "a"
+	}
+	return p.SendDM(ctx.Sender, fmt.Sprintf("It's %s Massive %s. What would you like to name it?\n\nReply with a name.",
+		article, titleCase(petType)))
+}
+
+// resolvePetName handles naming the pet.
+func (p *AdventurePlugin) resolvePetName(ctx MessageContext) error {
+	userMu := p.advUserLock(ctx.Sender)
+	userMu.Lock()
+	defer userMu.Unlock()
+
+	char, _, err := p.ensureCharacter(ctx.Sender)
+	if err != nil {
+		return p.SendDM(ctx.Sender, "Failed to load your character.")
+	}
+
+	val, ok := p.pending.LoadAndDelete(string(ctx.Sender))
+	if !ok {
+		return nil
+	}
+	pi := val.(*advPendingInteraction)
+	data := pi.Data.(*advPendingPetName)
+
+	name := strings.TrimSpace(ctx.Body)
+	if len(name) == 0 || len(name) > 30 {
+		p.pending.Store(string(ctx.Sender), pi)
+		return p.SendDM(ctx.Sender, "Name must be 1-30 characters. Try again.")
+	}
+	if !petNameValid.MatchString(name) {
+		p.pending.Store(string(ctx.Sender), pi)
+		return p.SendDM(ctx.Sender, "Name can only contain letters, numbers, spaces, hyphens, and apostrophes. Try again.")
+	}
+
+	char.PetType = data.PetType
+	char.PetName = name
+	char.PetArrived = true
+	char.PetChasedAway = false
+	char.PetLevel = 1
+	char.PetXP = 0
+
+	if err := saveAdvCharacter(char); err != nil {
+		return p.SendDM(ctx.Sender, "Failed to save.")
+	}
+
+	emoji := "🐶"
+	if data.PetType == "cat" {
+		emoji = "🐱"
+	}
+	return p.SendDM(ctx.Sender, fmt.Sprintf("%s **%s** has moved in.\n\nBreed: Massive %s.\nLevel: 1\n\n%s will join you in combat. %s will not explain their decisions.",
+		emoji, name, titleCase(data.PetType), name, name))
+}
+
+// ── Morning Pet Events ─────────────────────────────────────────────────────
+
+// petMorningEvent rolls for a morning pet event and returns flavor text.
+// Returns empty string if no event fires.
+func petMorningEvent(char *AdventureCharacter) string {
+	if !char.HasPet() {
+		return ""
+	}
+
+	// 25% chance of morning event
+	if rand.Float64() >= 0.25 {
+		return ""
+	}
+
+	if char.PetType == "cat" {
+		line := PetCatOffering[rand.IntN(len(PetCatOffering))]
+		return strings.ReplaceAll(line, "{pet_name}", char.PetName)
+	}
+
+	line := PetDogSmothering[rand.IntN(len(PetDogSmothering))]
+	return strings.ReplaceAll(line, "{pet_name}", char.PetName)
+}
+
+// ── Pet Supply Shop Unlock Check ───────────────────────────────────────────
+
+// petCheckSupplyShopUnlock checks if 1 week has passed since pet hit level 10.
+func petCheckSupplyShopUnlock(char *AdventureCharacter) bool {
+	if char.PetSupplyShopUnlocked || char.PetLevel10Date == "" {
+		return false
+	}
+	d, err := time.Parse("2006-01-02", char.PetLevel10Date)
+	if err != nil {
+		return false
+	}
+	return time.Now().UTC().After(d.Add(7 * 24 * time.Hour))
+}
+
+// ── Misty Housing Hint ─────────────────────────────────────────────────────
+
+// mistyHousingHint returns a hint about housing/pets if conditions are met.
+// Fires once, after 2+ Misty encounters, player has no house.
+func mistyHousingHint(char *AdventureCharacter) string {
+	if char.HasHouse() || char.MistyEncounterCount < 2 {
+		return ""
+	}
+	if char.MistyDonatedCount > 0 {
+		return "You seem like a good person. I can imagine you sitting in a house caring for a pet someday."
+	}
+	return "Thank you for your time."
+}
+
+// ── Misty Pet Reactivation ─────────────────────────────────────────────────
+
+// mistyReactivatePet marks the pet as reactivated if it was chased away.
+func mistyReactivatePet(char *AdventureCharacter) {
+	if char.PetChasedAway && !char.PetReactivated {
+		char.PetReactivated = true
+	}
+}
+
+// ── Pet Level 10 Ticker (runs daily at midnight) ───────────────────────────
+
+func (p *AdventurePlugin) petMidnightCheck() {
+	chars, err := loadAllAdvCharacters()
+	if err != nil {
+		slog.Error("pet: failed to load characters", "err", err)
+		return
+	}
+
+	for _, char := range chars {
+		if !char.HasPet() {
+			continue
+		}
+
+		// Check supply shop unlock
+		if petCheckSupplyShopUnlock(&char) {
+			char.PetSupplyShopUnlocked = true
+			_ = saveAdvCharacter(&char)
+			slog.Info("pet: supply shop unlocked", "user", char.UserID, "pet", char.PetName)
+		}
+	}
+}
+
+// ── Ditch Recovery Text ────────────────────────────────────────────────────
+
+func petDitchRecoveryGameRoom(username, petName string, petInvolved bool) string {
+	base := fmt.Sprintf("🏥 %s was brought into St. Guildmore's on a stretcher. They have been returned to the ditch. They'll be fine eventually.", username)
+	if petInvolved {
+		base = fmt.Sprintf("🏥 St. Guildmore's notes that %s has once again intervened before our personnel could reach the scene. %s has been reminded that the ditch is not a medical facility. %s did not respond to this reminder.", petName, petName, petName)
+	}
+	return base
+}
--- a/internal/plugin/adventure_pets_test.go
+++ b/internal/plugin/adventure_pets_test.go
@@ -0,0 +1,442 @@
+package plugin
+
+import (
+	"strings"
+	"testing"
+)
+
+// ── Pet XP & Leveling ──────────────────────────────────────────────────────
+
+func TestPetXPToNextLevel(t *testing.T) {
+	tests := []struct {
+		level    int
+		expected int
+	}{
+		{0, 10},
+		{1, 10},
+		{2, 10},
+		{4, 20},
+		{5, 35},
+		{7, 35},
+		{8, 50},
+		{9, 50},
+	}
+	for _, tt := range tests {
+		if got := petXPToNextLevel(tt.level); got != tt.expected {
+			t.Errorf("petXPToNextLevel(%d) = %d, want %d", tt.level, got, tt.expected)
+		}
+	}
+}
+
+func TestPetXPToNextLevel_Increasing(t *testing.T) {
+	// XP requirements should never decrease as level increases
+	prev := petXPToNextLevel(0)
+	for level := 1; level < 10; level++ {
+		curr := petXPToNextLevel(level)
+		if curr < prev {
+			t.Errorf("XP for level %d (%d) should not be less than level %d (%d)", level, curr, level-1, prev)
+		}
+		prev = curr
+	}
+}
+
+func TestPetGrantXP_LevelsUp(t *testing.T) {
+	char := &AdventureCharacter{
+		PetType:    "dog",
+		PetName:    "Rex",
+		PetArrived: true,
+		PetLevel:   1,
+		PetXP:      950, // close to needing 1000 (10 * 100 centixp)
+	}
+	leveled := petGrantXP(char)
+	if !leveled {
+		t.Error("should have leveled up")
+	}
+	if char.PetLevel != 2 {
+		t.Errorf("pet level should be 2, got %d", char.PetLevel)
+	}
+}
+
+func TestPetGrantXP_NoPet(t *testing.T) {
+	char := &AdventureCharacter{}
+	if petGrantXP(char) {
+		t.Error("should not grant XP without a pet")
+	}
+}
+
+func TestPetGrantXP_MaxLevel(t *testing.T) {
+	char := &AdventureCharacter{
+		PetType:    "cat",
+		PetName:    "Luna",
+		PetArrived: true,
+		PetLevel:   10,
+		PetXP:      9999,
+	}
+	if petGrantXP(char) {
+		t.Error("should not level up past max level 10")
+	}
+}
+
+func TestPetGrantXP_ChasedAway(t *testing.T) {
+	char := &AdventureCharacter{
+		PetType:      "dog",
+		PetName:      "Rex",
+		PetArrived:   true,
+		PetChasedAway: true,
+		PetLevel:     1,
+		PetXP:        0,
+	}
+	if petGrantXP(char) {
+		t.Error("should not grant XP to chased-away pet")
+	}
+}
+
+func TestPetGrantXP_SetsLevel10Date(t *testing.T) {
+	char := &AdventureCharacter{
+		PetType:    "dog",
+		PetName:    "Rex",
+		PetArrived: true,
+		PetLevel:   9,
+		PetXP:      4999, // needs 5000 (50 * 100) for level 9→10
+	}
+	petGrantXP(char)
+	if char.PetLevel == 10 && char.PetLevel10Date == "" {
+		t.Error("reaching level 10 should set PetLevel10Date")
+	}
+}
+
+// ── Pet Combat Probabilities ───────────────────────────────────────────────
+
+func TestPetAttackChance_ScalesWithLevel(t *testing.T) {
+	prev := petAttackChance(0)
+	for level := 1; level <= 10; level++ {
+		curr := petAttackChance(level)
+		if curr <= prev {
+			t.Errorf("attack chance at level %d (%.3f) should exceed level %d (%.3f)", level, curr, level-1, prev)
+		}
+		prev = curr
+	}
+}
+
+func TestPetAttackChance_Level10(t *testing.T) {
+	chance := petAttackChance(10)
+	// 3% + 10*1.5% = 18%
+	if chance < 0.179 || chance > 0.181 {
+		t.Errorf("level 10 attack chance: got %.3f, want 0.18", chance)
+	}
+}
+
+func TestPetDeflectChance_ScalesWithLevel(t *testing.T) {
+	prev := petDeflectChance(0, 0)
+	for level := 1; level <= 10; level++ {
+		curr := petDeflectChance(level, 0)
+		if curr <= prev {
+			t.Errorf("deflect chance at level %d (%.3f) should exceed level %d (%.3f)", level, curr, level-1, prev)
+		}
+		prev = curr
+	}
+}
+
+func TestPetDeflectChance_ArmorBonus(t *testing.T) {
+	baseChance := petDeflectChance(5, 0)
+	armoredChance := petDeflectChance(5, 3)
+	if armoredChance <= baseChance {
+		t.Errorf("armored deflect (%.3f) should exceed base (%.3f)", armoredChance, baseChance)
+	}
+}
+
+func TestPetDitchRecoveryChance_ScalesWithLevel(t *testing.T) {
+	prev := petDitchRecoveryChance(0)
+	for level := 1; level <= 10; level++ {
+		curr := petDitchRecoveryChance(level)
+		if curr <= prev {
+			t.Errorf("ditch chance at level %d (%.3f) should exceed level %d (%.3f)", level, curr, level-1, prev)
+		}
+		prev = curr
+	}
+}
+
+func TestPetDitchRecoveryChance_Level10(t *testing.T) {
+	chance := petDitchRecoveryChance(10)
+	// 5% + 10*2% = 25%
+	if chance < 0.249 || chance > 0.251 {
+		t.Errorf("level 10 ditch chance: got %.3f, want 0.25", chance)
+	}
+}
+
+// ── Pet Combat Results ─────────────────────────────────────────────────────
+
+func TestPetRollCombatActions_NoPet(t *testing.T) {
+	char := &AdventureCharacter{}
+	result := petRollCombatActions(char, "Goblin")
+	if result != nil {
+		t.Error("should return nil without a pet")
+	}
+}
+
+func TestPetRollDitchRecovery_NoPet(t *testing.T) {
+	char := &AdventureCharacter{}
+	if petRollDitchRecovery(char) {
+		t.Error("should return false without a pet")
+	}
+}
+
+func TestPetVictoryText_Dog(t *testing.T) {
+	char := &AdventureCharacter{PetType: "dog", PetName: "Rex", PetArrived: true}
+	text := petVictoryText(char)
+	if text == "" {
+		t.Error("should return victory text for dog")
+	}
+}
+
+func TestPetVictoryText_Cat(t *testing.T) {
+	char := &AdventureCharacter{PetType: "cat", PetName: "Luna", PetArrived: true}
+	text := petVictoryText(char)
+	if text == "" {
+		t.Error("should return victory text for cat")
+	}
+}
+
+func TestPetVictoryText_NoPet(t *testing.T) {
+	char := &AdventureCharacter{}
+	if petVictoryText(char) != "" {
+		t.Error("should return empty string without pet")
+	}
+}
+
+func TestPetDeathText_NoPet(t *testing.T) {
+	char := &AdventureCharacter{}
+	if petDeathText(char) != "" {
+		t.Error("should return empty string without pet")
+	}
+}
+
+// ── Pet Arrival Logic ──────────────────────────────────────────────────────
+
+func TestPetShouldArrive_NoHouse(t *testing.T) {
+	char := &AdventureCharacter{HouseTier: 0}
+	if petShouldArrive(char) {
+		t.Error("should not arrive without house")
+	}
+}
+
+func TestPetShouldArrive_BaseHouseOnly(t *testing.T) {
+	char := &AdventureCharacter{HouseTier: 1} // Base house, not yet Livable
+	if petShouldArrive(char) {
+		t.Error("should not arrive with only base house (need tier 2+)")
+	}
+}
+
+func TestPetShouldArrive_AlreadyArrived(t *testing.T) {
+	char := &AdventureCharacter{HouseTier: 2, PetArrived: true}
+	if petShouldArrive(char) {
+		t.Error("should not trigger if pet already arrived")
+	}
+}
+
+func TestPetShouldArrive_ChasedAway(t *testing.T) {
+	char := &AdventureCharacter{HouseTier: 2, PetChasedAway: true}
+	if petShouldArrive(char) {
+		t.Error("should not trigger if pet was chased away (and not reactivated)")
+	}
+}
+
+func TestPetShouldArrive_Reactivated(t *testing.T) {
+	char := &AdventureCharacter{HouseTier: 2, PetChasedAway: true, PetReactivated: true}
+	// With reactivation, should always return true
+	if !petShouldArrive(char) {
+		t.Error("reactivated pet should always trigger arrival")
+	}
+}
+
+// ── HasPet ─────────────────────────────────────────────────────────────────
+
+func TestHasPet(t *testing.T) {
+	tests := []struct {
+		name     string
+		char     AdventureCharacter
+		expected bool
+	}{
+		{"no pet", AdventureCharacter{}, false},
+		{"has pet", AdventureCharacter{PetType: "dog", PetName: "Rex", PetArrived: true}, true},
+		{"chased away", AdventureCharacter{PetType: "dog", PetName: "Rex", PetArrived: true, PetChasedAway: true}, false},
+		{"not arrived", AdventureCharacter{PetType: "dog", PetName: "Rex"}, false},
+	}
+	for _, tt := range tests {
+		t.Run(tt.name, func(t *testing.T) {
+			if tt.char.HasPet() != tt.expected {
+				t.Errorf("HasPet() = %v, want %v", tt.char.HasPet(), tt.expected)
+			}
+		})
+	}
+}
+
+// ── Morning Pet Events ─────────────────────────────────────────────────────
+
+func TestPetMorningEvent_NoPet(t *testing.T) {
+	char := &AdventureCharacter{}
+	if petMorningEvent(char) != "" {
+		t.Error("should return empty string without pet")
+	}
+}
+
+// ── Misty Housing Hint ─────────────────────────────────────────────────────
+
+func TestMistyHousingHint_NoEncounters(t *testing.T) {
+	char := &AdventureCharacter{MistyEncounterCount: 0}
+	if mistyHousingHint(char) != "" {
+		t.Error("should not hint with 0 encounters")
+	}
+}
+
+func TestMistyHousingHint_HasHouse(t *testing.T) {
+	char := &AdventureCharacter{MistyEncounterCount: 3, HouseTier: 1}
+	if mistyHousingHint(char) != "" {
+		t.Error("should not hint if player has house")
+	}
+}
+
+func TestMistyHousingHint_Donated(t *testing.T) {
+	char := &AdventureCharacter{MistyEncounterCount: 2, MistyDonatedCount: 1}
+	hint := mistyHousingHint(char)
+	if !strings.Contains(hint, "house") {
+		t.Errorf("donated player hint should mention house, got: %q", hint)
+	}
+}
+
+func TestMistyHousingHint_NotDonated(t *testing.T) {
+	char := &AdventureCharacter{MistyEncounterCount: 2, MistyDonatedCount: 0}
+	hint := mistyHousingHint(char)
+	if hint != "Thank you for your time." {
+		t.Errorf("non-donor hint should be dismissive, got: %q", hint)
+	}
+}
+
+// ── Misty Pet Reactivation ─────────────────────────────────────────────────
+
+func TestMistyReactivatePet_ChasedAway(t *testing.T) {
+	char := &AdventureCharacter{PetChasedAway: true, PetReactivated: false}
+	mistyReactivatePet(char)
+	if !char.PetReactivated {
+		t.Error("should set PetReactivated")
+	}
+}
+
+func TestMistyReactivatePet_NotChasedAway(t *testing.T) {
+	char := &AdventureCharacter{PetChasedAway: false, PetReactivated: false}
+	mistyReactivatePet(char)
+	if char.PetReactivated {
+		t.Error("should not set PetReactivated if pet wasn't chased away")
+	}
+}
+
+func TestMistyReactivatePet_AlreadyReactivated(t *testing.T) {
+	char := &AdventureCharacter{PetChasedAway: true, PetReactivated: true}
+	mistyReactivatePet(char)
+	if !char.PetReactivated {
+		t.Error("should remain reactivated")
+	}
+}
+
+// ── Pet Supply Shop Unlock ─────────────────────────────────────────────────
+
+func TestPetCheckSupplyShopUnlock_NotLevel10(t *testing.T) {
+	char := &AdventureCharacter{PetLevel10Date: ""}
+	if petCheckSupplyShopUnlock(char) {
+		t.Error("should not unlock without level 10 date")
+	}
+}
+
+func TestPetCheckSupplyShopUnlock_AlreadyUnlocked(t *testing.T) {
+	char := &AdventureCharacter{PetSupplyShopUnlocked: true, PetLevel10Date: "2020-01-01"}
+	if petCheckSupplyShopUnlock(char) {
+		t.Error("should not re-trigger if already unlocked")
+	}
+}
+
+func TestPetCheckSupplyShopUnlock_TooSoon(t *testing.T) {
+	// Set date to today — not 7 days ago
+	char := &AdventureCharacter{PetLevel10Date: "2099-01-01"}
+	if petCheckSupplyShopUnlock(char) {
+		t.Error("should not unlock before 7 days have passed")
+	}
+}
+
+func TestPetCheckSupplyShopUnlock_Ready(t *testing.T) {
+	char := &AdventureCharacter{PetLevel10Date: "2020-01-01"}
+	if !petCheckSupplyShopUnlock(char) {
+		t.Error("should unlock after 7+ days")
+	}
+}
+
+// ── Ditch Recovery Text ────────────────────────────────────────────────────
+
+func TestPetDitchRecoveryGameRoom_NoPet(t *testing.T) {
+	text := petDitchRecoveryGameRoom("Player1", "", false)
+	if !strings.Contains(text, "Player1") {
+		t.Error("should contain player name")
+	}
+	if !strings.Contains(text, "stretcher") {
+		t.Error("should mention stretcher for non-pet version")
+	}
+}
+
+func TestPetDitchRecoveryGameRoom_WithPet(t *testing.T) {
+	text := petDitchRecoveryGameRoom("Player1", "Rex", true)
+	if !strings.Contains(text, "Rex") {
+		t.Error("should contain pet name")
+	}
+	if !strings.Contains(text, "intervened") {
+		t.Error("should mention pet intervention")
+	}
+}
+
+// ── Flavor Pool Coverage ───────────────────────────────────────────────────
+
+func TestPetFlavorPools_NonEmpty(t *testing.T) {
+	pools := map[string][]string{
+		"PetDogAttack":     PetDogAttack,
+		"PetCatAttack":     PetCatAttack,
+		"PetDogDeath":      PetDogDeath,
+		"PetCatDeath":      PetCatDeath,
+		"PetDogVictory":    PetDogVictory,
+		"PetCatVictory":    PetCatVictory,
+		"PetDogDeflect":    PetDogDeflect,
+		"PetCatDeflect":    PetCatDeflect,
+		"PetCatOffering":   PetCatOffering,
+		"PetDogSmothering": PetDogSmothering,
+	}
+	for name, pool := range pools {
+		if len(pool) == 0 {
+			t.Errorf("flavor pool %s is empty", name)
+		}
+	}
+}
+
+func TestPetAttackFlavor_Placeholders(t *testing.T) {
+	// All attack lines must have {damage}. {enemy} is optional — some lines
+	// intentionally omit the enemy name for voice/style reasons (especially cat).
+	for i, line := range PetDogAttack {
+		if !strings.Contains(line, "{damage}") {
+			t.Errorf("PetDogAttack[%d] missing {damage} placeholder", i)
+		}
+	}
+	for i, line := range PetCatAttack {
+		if !strings.Contains(line, "{damage}") {
+			t.Errorf("PetCatAttack[%d] missing {damage} placeholder", i)
+		}
+	}
+}
+
+func TestPetDeflectFlavor_Placeholders(t *testing.T) {
+	for i, line := range PetDogDeflect {
+		if !strings.Contains(line, "{enemy}") {
+			t.Errorf("PetDogDeflect[%d] missing {enemy} placeholder", i)
+		}
+	}
+	for i, line := range PetCatDeflect {
+		if !strings.Contains(line, "{enemy}") {
+			t.Errorf("PetCatDeflect[%d] missing {enemy} placeholder", i)
+		}
+	}
+}
--- a/internal/plugin/adventure_render.go
+++ b/internal/plugin/adventure_render.go
@@ -335,7 +335,8 @@ func renderAdvMorningDM(char *AdventureCharacter, equip map[EquipmentSlot]*AdvEq

 	sb.WriteString("**5️⃣ Shop** — buy/sell gear and loot\n")
 	sb.WriteString("**6️⃣ Blacksmith** — repair damaged equipment\n")
-	sb.WriteString("**7️⃣ Rest** — skip today, bank your luck\n\n")
+	sb.WriteString("**7️⃣ Rest** — skip today, bank your luck\n")
+	sb.WriteString("**8️⃣ Thom** — `!thom` visit Krooke Realty 🏠\n\n")

 	sb.WriteString("Reply with the number and location, e.g: `1 Soggy Cellar`\n")
 	sb.WriteString("You have until midnight UTC to choose.")
@@ -605,8 +606,12 @@ func renderAdvDailySummary(date string, tb *TwinBeeResult, tbRewards TwinBeeRewa

 		sb.WriteString(fmt.Sprintf("⚔️ **%s** — Combat Lv.%d | Mining Lv.%d | Forage Lv.%d | Fishing Lv.%d\n",
 			p.DisplayName, p.CombatLevel, p.MiningSkill, p.ForagingSkill, p.FishingSkill))
-		sb.WriteString(fmt.Sprintf("   Went to: %s\n", p.Location))
-		sb.WriteString(fmt.Sprintf("   Outcome: %s\n\n", p.SummaryLine))
+		if p.Location != "" {
+			sb.WriteString(fmt.Sprintf("   Went to: %s\n", p.Location))
+			sb.WriteString(fmt.Sprintf("   Outcome: %s\n\n", p.SummaryLine))
+		} else {
+			sb.WriteString("   Acted today — no log recorded.\n\n")
+		}

 		if bestPlayer == nil || p.LootValue > bestPlayer.LootValue {
 			bestPlayer = p
@@ -723,11 +728,11 @@ func renderAdvLeaderboard(chars []AdventureCharacter) string {
 	}
 	var entries []entry
 	for _, c := range chars {
-		score := (c.CombatLevel + c.MiningSkill + c.ForagingSkill) * 10
+		score := (c.CombatLevel + c.MiningSkill + c.ForagingSkill + c.FishingSkill) * 10
 		entries = append(entries, entry{
 			Name:   c.DisplayName,
 			Score:  score,
-			Levels: fmt.Sprintf("⚔️%d ⛏️%d 🌿%d", c.CombatLevel, c.MiningSkill, c.ForagingSkill),
+			Levels: fmt.Sprintf("⚔️%d ⛏️%d 🌿%d 🎣%d", c.CombatLevel, c.MiningSkill, c.ForagingSkill, c.FishingSkill),
 			Streak: c.CurrentStreak,
 		})
 	}
--- a/internal/plugin/adventure_rival.go
+++ b/internal/plugin/adventure_rival.go
@@ -459,8 +459,11 @@ func (p *AdventurePlugin) resolveRivalRPSRound(ctx MessageContext, interaction *
 		// Outcome line.
 		outcomePool := rivalRoundOutcomeWin
 		outcome := pickRivalFlavor(outcomePool)
-		if strings.Contains(outcome, "%s") {
+		switch strings.Count(outcome, "%s") {
+		case 2:
 			outcome = fmt.Sprintf(outcome, rpsNames[rivalThrow], rpsNames[playerThrow])
+		case 1:
+			outcome = fmt.Sprintf(outcome, rpsNames[rivalThrow])
 		}
 		sb.WriteString(outcome + "\n\n")
 		sb.WriteString(fmt.Sprintf("Score: You %d -- Rival %d\n\n", challenge.PlayerScore, challenge.RivalScore))
@@ -471,8 +474,11 @@ func (p *AdventurePlugin) resolveRivalRPSRound(ctx MessageContext, interaction *
 		challenge.RivalScore++
 		outcomePool := rivalRoundOutcomeLoss
 		outcome := pickRivalFlavor(outcomePool)
-		if strings.Contains(outcome, "%s") {
+		switch strings.Count(outcome, "%s") {
+		case 2:
 			outcome = fmt.Sprintf(outcome, rpsNames[rivalThrow], rpsNames[playerThrow])
+		case 1:
+			outcome = fmt.Sprintf(outcome, rpsNames[rivalThrow])
 		}
 		sb.WriteString(outcome + "\n\n")
 		sb.WriteString(fmt.Sprintf("Score: You %d -- Rival %d\n\n", challenge.PlayerScore, challenge.RivalScore))
--- a/internal/plugin/adventure_robbie.go
+++ b/internal/plugin/adventure_robbie.go
@@ -122,7 +122,11 @@ func (p *AdventurePlugin) robbieVisitPlayer(userID id.UserID, displayName string
 			continue
 		}
 		takenItems = append(takenItems, item)
-		totalPayout += 50
+		payout := item.Value / 4
+		if payout < 1 {
+			payout = 1
+		}
+		totalPayout += payout
 		communityTotal += item.Value
 		if item.Type == "MasterworkGear" {
 			masterworkTaken = true
@@ -246,14 +250,18 @@ func renderRobbieDM(userID id.UserID, items []AdvItem, total int64, mwTaken, gav
 	cardShownOnLine := false
 	for _, item := range items {
 		emoji := slotEmoji(item.Slot)
+		payout := item.Value / 4
+		if payout < 1 {
+			payout = 1
+		}
 		if item.Type == "MasterworkGear" {
-			sb.WriteString(fmt.Sprintf("  %s  %s (Masterwork T%d)   → €50", emoji, item.Name, item.Tier))
+			sb.WriteString(fmt.Sprintf("  %s  %s (Masterwork T%d)   → €%d", emoji, item.Name, item.Tier, payout))
 			if gaveCard && !cardShownOnLine {
 				sb.WriteString("  + 🃏 Get Out of Medical Debt Free card")
 				cardShownOnLine = true
 			}
 		} else {
-			sb.WriteString(fmt.Sprintf("  %s  %s (T%d)   → €50", emoji, item.Name, item.Tier))
+			sb.WriteString(fmt.Sprintf("  %s  %s (T%d)   → €%d", emoji, item.Name, item.Tier, payout))
 		}
 		sb.WriteByte('\n')
 	}
--- a/internal/plugin/adventure_scheduler.go
+++ b/internal/plugin/adventure_scheduler.go
@@ -4,6 +4,8 @@ import (
 	"fmt"
 	"log/slog"
 	"math/rand/v2"
+	"os"
+	"strings"
 	"time"

 	"gogobee/internal/db"
@@ -102,6 +104,19 @@ func (p *AdventurePlugin) sendMorningDMs() {
 			continue
 		}

+		// Pet arrival check (fires before normal morning DM)
+		if petShouldArrive(&char) {
+			p.petArrivalDM(char.UserID)
+			continue
+		}
+
+		// Morning pet event
+		petEvent := petMorningEvent(&char)
+		if petEvent != "" {
+			char.PetMorningDefense = true
+			_ = saveAdvCharacter(&char)
+		}
+
 		// Send morning DM with choices
 		equip, err := loadAdvEquipment(char.UserID)
 		if err != nil {
@@ -119,6 +134,9 @@ func (p *AdventurePlugin) sendMorningDMs() {
 			holidayLabel = holName
 		}
 		text := renderAdvMorningDM(&char, equip, balance, bonuses, holidayLabel)
+		if petEvent != "" {
+			text = fmt.Sprintf("🐾 *%s*\n\n%s", petEvent, text)
+		}
 		p.advMarkMenuSent(char.UserID)
 		if err := p.SendDM(char.UserID, text); err != nil {
 			slog.Error("adventure: failed to send morning DM", "user", char.UserID, "err", err)
@@ -171,7 +189,11 @@ func (p *AdventurePlugin) postDailySummary() {
 		return
 	}

-	todayLogs, _ := loadAdvTodayLogs()
+	// Load logs for today and yesterday — players may act across the UTC boundary
+	now := time.Now().UTC()
+	todayLogs, _ := loadAdvLogsForDate(now.Format("2006-01-02"))
+	yesterdayLogs, _ := loadAdvLogsForDate(now.AddDate(0, 0, -1).Format("2006-01-02"))
+	todayLogs = append(todayLogs, yesterdayLogs...)
 	// Group logs per user — holiday days may produce 2 entries per user
 	logsPerUser := make(map[id.UserID][]*AdvDayLog)
 	for i := range todayLogs {
@@ -394,9 +416,39 @@ func (p *AdventurePlugin) midnightReset() error {
 	// Check babysitting service expirations
 	p.checkBabysitExpiry(chars)

+	// Pet supply shop unlock check
+	p.petMidnightCheck()
+
+	// Reset holdem NPC house balance
+	resetNPCHouseBalance()
+
+	// Daily database backup (async to avoid blocking reset if DM sends are slow)
+	go func() {
+		if err := db.Backup(); err != nil {
+			slog.Error("adventure: daily backup failed", "err", err)
+			p.notifyAdmins(fmt.Sprintf("⚠️ **Daily backup failed:** %v", err))
+		}
+	}()
+
 	return nil
 }

+func (p *AdventurePlugin) notifyAdmins(msg string) {
+	admins := os.Getenv("ADMIN_USERS")
+	if admins == "" {
+		return
+	}
+	for _, a := range strings.Split(admins, ",") {
+		uid := id.UserID(strings.TrimSpace(a))
+		if uid == "" {
+			continue
+		}
+		if err := p.SendDM(uid, msg); err != nil {
+			slog.Error("adventure: failed to notify admin", "user", uid, "err", err)
+		}
+	}
+}
+
 // ── Helper ───────────────────────────────────────────────────────────────────

 func (p *AdventurePlugin) registerDMRoom(userID id.UserID) {
--- a/internal/plugin/adventure_twinbee.go
+++ b/internal/plugin/adventure_twinbee.go
@@ -56,7 +56,7 @@ func twinBeeMaxTier() int {
 		if !c.Alive {
 			continue
 		}
-		combined := c.CombatLevel + c.MiningSkill + c.ForagingSkill
+		combined := c.CombatLevel + c.MiningSkill + c.ForagingSkill + c.FishingSkill
 		if combined > bestLevel {
 			bestLevel = combined
 		}
@@ -264,12 +264,12 @@ func (p *AdventurePlugin) distributeTwinBeeRewards(result *TwinBeeResult) TwinBe
 	var players []eligiblePlayer
 	totalWeight := 0
 	for _, uid := range eligible {
-		weight := 3 // minimum (level 1 in all 3 skills)
+		weight := 4 // minimum (level 1 in all 4 skills)
 		for _, c := range chars {
 			if c.UserID == uid {
-				weight = c.CombatLevel + c.MiningSkill + c.ForagingSkill
-				if weight < 3 {
-					weight = 3
+				weight = c.CombatLevel + c.MiningSkill + c.ForagingSkill + c.FishingSkill
+				if weight < 4 {
+					weight = 4
 				}
 				break
 			}
--- a/internal/plugin/holdem.go
+++ b/internal/plugin/holdem.go
@@ -97,12 +97,14 @@ func (p *HoldemPlugin) OnMessage(ctx MessageContext) error {
 	}

 	// If this is a DM, resolve the player's game room so actions route correctly.
+	// Clear EventID so replies go as plain messages — the room can't resolve DM events.
 	if isDM {
 		p.mu.Lock()
 		gameRoom := p.findGameRoom(ctx.Sender)
 		p.mu.Unlock()
 		if gameRoom != "" {
 			ctx.RoomID = gameRoom
+			ctx.EventID = ""
 		}
 	}

@@ -1216,6 +1218,14 @@ func (p *HoldemPlugin) updateNPCBalance(delta int64) {
 		delta, p.cfg.NPCName)
 }

+// resetNPCHouseBalance resets all NPC balances to the configured house balance.
+// Called daily at midnight.
+func resetNPCHouseBalance() {
+	balance := int64(envInt("HOLDEM_NPC_HOUSE_BALANCE", 10000))
+	db.Exec("holdem: reset npc balance",
+		`UPDATE holdem_npc_balance SET balance = ?`, balance)
+}
+
 func (p *HoldemPlugin) recordScores(game *HoldemGame, winnings map[id.UserID]int64) {
 	for _, pl := range game.Players {
 		if pl.IsNPC {
--- a/internal/plugin/plugin.go
+++ b/internal/plugin/plugin.go
@@ -576,10 +576,12 @@ func (b *Base) SendNotice(roomID id.RoomID, text string) error {
 // SendReply sends a reply to a specific event.
 func (b *Base) SendReply(roomID id.RoomID, eventID id.EventID, text string) error {
 	content := textContent(text)
-	content.RelatesTo = &event.RelatesTo{
-		InReplyTo: &event.InReplyTo{
-			EventID: eventID,
-		},
+	if eventID != "" {
+		content.RelatesTo = &event.RelatesTo{
+			InReplyTo: &event.InReplyTo{
+				EventID: eventID,
+			},
+		}
 	}
 	_, err := b.Client.SendMessageEvent(context.Background(), roomID, event.EventMessage, content)
 	if err != nil {
--- a/internal/plugin/thom_krooke_mortgage_flavor.go
+++ b/internal/plugin/thom_krooke_mortgage_flavor.go
@@ -0,0 +1,125 @@
+package plugin
+
+// ── IMPORTANT: DO NOT REWRITE, SUMMARIZE, OR SHORTEN ANY ENTRIES IN THIS FILE ──
+//
+// This file contains hand-written flavor text. Every entry is the length it is
+// on purpose. The voice, pacing, and specific wording are intentional.
+// If an entry seems too long: it isn't. Leave it alone.
+// If you are tempted to "clean up" or "condense" entries: don't.
+// If your context window is too small to fit this file: that is your problem, not ours.
+//
+// ── THOM KROOKE — MORTGAGE RATE CHANGE NOTIFICATIONS ─────────────────────────
+//
+// Pulled weekly from FRED API (series: MORTGAGE5US).
+// Rate change DM sent to player if rate differs from previous week.
+// No change: no DM. Thom does not send neutral news.
+//
+// Pre-pet: terse, professional, zero warmth.
+// Post-pet: still about the money, immediately about the pet.
+// The pet is mentioned before you are. You are not mentioned.
+
+// ── RATE INCREASE (NO PET) ────────────────────────────────────────────────────
+
+var ThomRateIncrease = []string{
+	"Rates adjusted. Your new weekly payment is €{amount}. Market conditions. You understand.",
+
+	"Weekly update. Rates went up. Payment is now €{amount}. " +
+		"This is not personal. It is also not not personal. Pay on time.",
+
+	"The Fed moved. Your payment moved. €{amount} weekly going forward. " +
+		"I don't make the rates. I just apply them promptly and without sympathy.",
+
+	"Rate adjustment. €{amount} per week. " +
+		"I'd say I'm sorry but the contract was quite clear about this possibility. " +
+		"You signed it.",
+
+	"Rates up. €{amount}. " +
+		"If you'd like to discuss this I am available during business hours. " +
+		"Business hours are whenever I feel like it.",
+}
+
+// ── RATE DECREASE (NO PET) ────────────────────────────────────────────────────
+
+var ThomRateDecrease = []string{
+	"Rates adjusted down. Your new weekly payment is €{amount}. Don't get used to it.",
+
+	"Good news, technically. Rates dropped. €{amount} weekly going forward. " +
+		"The market giveth. The market will taketh back. Enjoy it briefly.",
+
+	"Rate adjustment in your favour this week. €{amount}. " +
+		"I want to be clear that this has nothing to do with me. " +
+		"The Fed did this. I merely informed you.",
+
+	"Rates down. €{amount} per week. " +
+		"You're welcome, even though I did nothing. Thom Krooke, Krooke Realty.",
+
+	"Weekly update. Rates dropped. Your payment is €{amount}. " +
+		"I've noted your relief. I've also noted that rates can go back up. " +
+		"Good week.",
+}
+
+// ── RATE INCREASE (WITH PET) ──────────────────────────────────────────────────
+
+var ThomRateIncreasePet = []string{
+	"Rates went up. Weekly payment is now €{amount}. " +
+		"You might need to skip a dinner or two and give yours to {pet_name} for a while. " +
+		"Whether you eat or not is unimportant. Only {pet_name}'s stomach matters here.",
+
+	"Rate adjustment. €{amount} per week. " +
+		"I'd tighten the belt if I were you. " +
+		"{pet_name} should not feel this. You should feel this. Adjust accordingly.",
+
+	"Weekly update. Rates up. €{amount}. " +
+		"I've been thinking about {pet_name}'s next armor upgrade. " +
+		"You should also be thinking about that. After you figure out the payment. " +
+		"Priority order is: {pet_name}, payment, everything else.",
+
+	"Rates moved. Not in your favour. €{amount} weekly going forward. " +
+		"{pet_name} doesn't need to know about this. Keep things normal for {pet_name}. " +
+		"You'll figure out the rest.",
+
+	"The Fed raised rates. Your payment is €{amount}. " +
+		"Before you panic: {pet_name} is fine. {pet_name} will continue to be fine. " +
+		"You may need to make some adjustments. {pet_name} will not.",
+
+	"Rate increase. €{amount} per week. " +
+		"I've seen people in your position make difficult choices. " +
+		"Make sure none of those choices involve {pet_name}'s meals. " +
+		"I'm watching.",
+}
+
+// ── RATE DECREASE (WITH PET) ──────────────────────────────────────────────────
+
+var ThomRateDecreasePet = []string{
+	"Rates went down. Weekly payment is now €{amount}. " +
+		"You can buy better things for {pet_name} now. " +
+		"I'd start with the shop. I may have restocked recently. For {pet_name}.",
+
+	"Good news. Rates dropped. €{amount} going forward. " +
+		"The difference between what you were paying and what you're paying now " +
+		"should go directly toward {pet_name}. " +
+		"I'm not telling you what to do. I'm telling you what to do.",
+
+	"Rate adjustment in your favour. €{amount} weekly. " +
+		"I thought of {pet_name} immediately when I saw the numbers. " +
+		"You probably thought of yourself. " +
+		"Think about what that says. Then go buy {pet_name} something.",
+
+	"Rates down this week. Your payment is €{amount}. " +
+		"I've already set aside some things in the shop that {pet_name} would benefit from. " +
+		"The timing is not a coincidence. Come in when you're ready.",
+
+	"Weekly update. Rates dropped. €{amount} per week going forward. " +
+		"{pet_name} deserves something nice this week. " +
+		"You've been holding back on the shop. I've noticed. " +
+		"The rate drop is a sign. Take it.",
+
+	"The Fed cut rates. Your payment is €{amount}. " +
+		"I'm genuinely pleased about this, which is unusual for me. " +
+		"{pet_name} is the reason I'm genuinely pleased about this. " +
+		"You can draw your own conclusions.",
+}
+
+// ── NO CHANGE (NEVER SENT) ────────────────────────────────────────────────────
+// Thom does not send neutral news.
+// If rate is unchanged week over week: no DM. No notification. Nothing.
--- a/internal/plugin/wordle.go
+++ b/internal/plugin/wordle.go
@@ -1,7 +1,6 @@
 package plugin

 import (
-	"database/sql"
 	"fmt"
 	"log/slog"
 	"os"
@@ -54,17 +53,13 @@ func (p *WordlePlugin) Name() string { return "wordle" }

 func (p *WordlePlugin) Commands() []CommandDef {
 	return []CommandDef{
-		{Name: "wordle", Description: "Guess today's Wordle", Usage: "!wordle <word>", Category: "Games"},
+		{Name: "wordle", Description: "Guess the current Wordle puzzle", Usage: "!wordle <word>", Category: "Games"},
 	}
 }

 func (p *WordlePlugin) Init() error {
-	// Rehydrate today's puzzle from DB if it exists.
+	// Rehydrate any active puzzle from DB if it exists.
 	p.rehydratePuzzles()
-
-	// Start the midnight ticker for auto-posting.
-	go p.midnightTicker()
-
 	return nil
 }

@@ -113,26 +108,28 @@ func (p *WordlePlugin) handleHelp(ctx MessageContext) error {
 			"`!wordle new <5-20>` — New puzzle with specific length (admin)\n"+
 			"`!wordle new pt` — Portuguese puzzle (admin)\n"+
 			"`!wordle new fr` — French puzzle (admin)\n"+
-			"`!wordle skip` — Reveal answer and end puzzle (admin)")
+			"`!wordle skip` — Reveal answer and end puzzle (admin)\n\n"+
+			"A new puzzle starts automatically after each solve or failure.")
 }

 func (p *WordlePlugin) handleGuess(ctx MessageContext, guess string) error {
 	guess = strings.ToUpper(strings.TrimSpace(guess))

 	p.mu.Lock()
-	defer p.mu.Unlock()

 	puzzle := p.puzzles[ctx.RoomID]
-	if puzzle == nil {
-		return p.SendReply(ctx.RoomID, ctx.EventID, "No active puzzle. An admin can start one with `!wordle new`.")
-	}
-
-	if puzzle.Solved || puzzle.Failed {
-		return p.SendReply(ctx.RoomID, ctx.EventID, "Today's puzzle is already over. A new one starts at midnight UTC!")
+	if puzzle == nil || puzzle.Solved || puzzle.Failed {
+		p.mu.Unlock()
+		// Auto-start a new puzzle.
+		if err := p.createAndPostPuzzle(ctx.RoomID, p.defaultLength, WordleCategoryEN); err != nil {
+			return err
+		}
+		return p.SendReply(ctx.RoomID, ctx.EventID, "A new puzzle just started! Try your guess again.")
 	}

 	// Check length.
 	if len([]rune(guess)) != puzzle.WordLength {
+		p.mu.Unlock()
 		return p.SendReply(ctx.RoomID, ctx.EventID,
 			fmt.Sprintf("Guesses must be %d letters.", puzzle.WordLength))
 	}
@@ -140,6 +137,7 @@ func (p *WordlePlugin) handleGuess(ctx MessageContext, guess string) error {
 	// Check for non-alphabetic characters.
 	for _, r := range guess {
 		if r < 'A' || r > 'Z' {
+			p.mu.Unlock()
 			return p.SendReply(ctx.RoomID, ctx.EventID, "Guesses must contain only letters.")
 		}
 	}
@@ -147,6 +145,7 @@ func (p *WordlePlugin) handleGuess(ctx MessageContext, guess string) error {
 	// Check duplicate guess.
 	for _, g := range puzzle.Guesses {
 		if g.Word == guess {
+			p.mu.Unlock()
 			return p.SendReply(ctx.RoomID, ctx.EventID,
 				fmt.Sprintf("**%s** has already been tried.", guess))
 		}
@@ -155,10 +154,12 @@ func (p *WordlePlugin) handleGuess(ctx MessageContext, guess string) error {
 	// Validate word via DreamDict (with caching).
 	valid, apiErr := p.isValidWord(puzzle.PuzzleID, guess, puzzle.Category)
 	if apiErr {
+		p.mu.Unlock()
 		return p.SendReply(ctx.RoomID, ctx.EventID,
 			"Word validation is temporarily unavailable. Try again in a moment.")
 	}
 	if !valid {
+		p.mu.Unlock()
 		return p.SendReply(ctx.RoomID, ctx.EventID,
 			fmt.Sprintf("❌ **%s** is not a valid word.", guess))
 	}
@@ -196,8 +197,14 @@ func (p *WordlePlugin) handleGuess(ctx MessageContext, guess string) error {
 		payouts := p.awardPrize(puzzle)
 		p.updateStats(puzzle, payouts)
 		p.markPuzzleDone(puzzle)
+		p.mu.Unlock()

-		return p.SendMessage(ctx.RoomID, renderSolvedAnnouncement(puzzle, definition, payouts))
+		if err := p.SendMessage(ctx.RoomID, renderSolvedAnnouncement(puzzle, definition, payouts)); err != nil {
+			return err
+		}
+
+		// Auto-start next puzzle.
+		return p.createAndPostPuzzle(ctx.RoomID, p.defaultLength, WordleCategoryEN)
 	}

 	// Check for failure (all guesses used).
@@ -207,11 +214,18 @@ func (p *WordlePlugin) handleGuess(ctx MessageContext, guess string) error {
 		definition := p.fetchDefinition(puzzle.Answer)
 		p.updateStats(puzzle, nil)
 		p.markPuzzleDone(puzzle)
+		p.mu.Unlock()

-		return p.SendMessage(ctx.RoomID, renderFailedAnnouncement(puzzle, definition))
+		if err := p.SendMessage(ctx.RoomID, renderFailedAnnouncement(puzzle, definition)); err != nil {
+			return err
+		}
+
+		// Auto-start next puzzle.
+		return p.createAndPostPuzzle(ctx.RoomID, p.defaultLength, WordleCategoryEN)
 	}

 	// Post updated grid.
+	p.mu.Unlock()
 	return p.SendMessage(ctx.RoomID, renderWordleGrid(puzzle))
 }

@@ -220,8 +234,12 @@ func (p *WordlePlugin) handleGrid(ctx MessageContext) error {
 	puzzle := p.puzzles[ctx.RoomID]
 	p.mu.Unlock()

-	if puzzle == nil {
-		return p.SendReply(ctx.RoomID, ctx.EventID, "No active puzzle.")
+	if puzzle == nil || puzzle.Solved || puzzle.Failed {
+		// Auto-start a new puzzle.
+		if err := p.createAndPostPuzzle(ctx.RoomID, p.defaultLength, WordleCategoryEN); err != nil {
+			return err
+		}
+		return nil
 	}

 	if len(puzzle.Guesses) == 0 {
@@ -290,8 +308,13 @@ func (p *WordlePlugin) handleSkip(ctx MessageContext) error {
 		defLine = fmt.Sprintf("\n📖 *%s*\n", definition)
 	}

-	return p.SendMessage(ctx.RoomID,
-		fmt.Sprintf("⏭️ **Puzzle skipped.**\nThe word was **%s**.%s", puzzle.Answer, defLine))
+	if err := p.SendMessage(ctx.RoomID,
+		fmt.Sprintf("⏭️ **Puzzle skipped.**\nThe word was **%s**.%s", puzzle.Answer, defLine)); err != nil {
+		return err
+	}
+
+	// Auto-start next puzzle.
+	return p.createAndPostPuzzle(ctx.RoomID, p.defaultLength, WordleCategoryEN)
 }

 func (p *WordlePlugin) handleStats(ctx MessageContext) error {
@@ -337,11 +360,11 @@ func (p *WordlePlugin) createAndPostPuzzle(roomID id.RoomID, wordLength int, cat
 	}

 	puzzleNumber := p.nextPuzzleNumber()
-	today := time.Now().UTC().Format("2006-01-02")
+	puzzleID := fmt.Sprintf("%d", puzzleNumber)
 	now := time.Now().UTC()

 	puzzle := &WordlePuzzle{
-		PuzzleID:     today,
+		PuzzleID:     puzzleID,
 		PuzzleNumber: puzzleNumber,
 		RoomID:       roomID,
 		Answer:       word,
@@ -355,26 +378,19 @@ func (p *WordlePlugin) createAndPostPuzzle(roomID id.RoomID, wordLength int, cat
 	// Persist to DB.
 	db.Exec("wordle: persist puzzle",
 		`INSERT INTO wordle_puzzles (puzzle_id, room_id, answer, word_length, category, solved, guess_count, started_at)
-		 VALUES (?, ?, ?, ?, ?, 0, 0, ?)
-		 ON CONFLICT(puzzle_id, room_id) DO UPDATE SET answer = ?, word_length = ?, category = ?, solved = 0, guess_count = 0, started_at = ?`,
-		today, string(roomID), word, wordLength, string(category), now,
-		word, wordLength, string(category), now,
-	)
-	// Clear any stale guesses from a previous puzzle on the same day (e.g. after skip+new).
-	db.Exec("wordle: clear old guesses",
-		`DELETE FROM wordle_guesses WHERE puzzle_id = ? AND room_id = ?`,
-		today, string(roomID),
+		 VALUES (?, ?, ?, ?, ?, 0, 0, ?)`,
+		puzzleID, string(roomID), word, wordLength, string(category), now,
 	)

 	p.mu.Lock()
 	p.puzzles[roomID] = puzzle
-	// Evict stale cache entries from previous days.
+	// Evict old cache entries — keep only current puzzle.
 	for key := range p.validCache {
-		if key != today {
+		if key != puzzleID {
 			delete(p.validCache, key)
 		}
 	}
-	p.validCache[today] = make(map[string]bool)
+	p.validCache[puzzleID] = make(map[string]bool)
 	p.mu.Unlock()

 	hint := wordleCategoryHint(category)
@@ -444,47 +460,7 @@ func wordleCategoryHint(category WordleCategory) string {
 	return ""
 }

-// expireUnsolved marks an active puzzle as failed and posts an announcement.
-// Must be called without holding p.mu.
-func (p *WordlePlugin) expireUnsolved(roomID id.RoomID) {
-	p.mu.Lock()
-	existing := p.puzzles[roomID]
-	if existing == nil || existing.Solved || existing.Failed {
-		p.mu.Unlock()
-		return
-	}
-	existing.Failed = true
-	p.markPuzzleDone(existing)
-	p.updateStats(existing, nil)
-	p.mu.Unlock()

-	definition := p.fetchDefinition(existing.Answer)
-	defLine := ""
-	if definition != "" {
-		defLine = fmt.Sprintf("\n📖 *%s*\n", definition)
-	}
-	p.SendMessage(roomID,
-		fmt.Sprintf("⏰ **Time's up!** Yesterday's puzzle expired.\nThe word was **%s**.%s", existing.Answer, defLine))
-}
-
-// PostDailyPuzzle is called by the scheduler to post today's puzzle.
-func (p *WordlePlugin) PostDailyPuzzle(roomID id.RoomID) error {
-	today := time.Now().UTC().Format("2006-01-02")
-
-	// Check if already posted today.
-	p.mu.Lock()
-	existing := p.puzzles[roomID]
-	if existing != nil && existing.PuzzleID == today {
-		p.mu.Unlock()
-		return nil // already posted
-	}
-	p.mu.Unlock()
-
-	// Announce expiry of yesterday's unsolved puzzle before creating the new one.
-	p.expireUnsolved(roomID)
-
-	return p.createAndPostPuzzle(roomID, p.defaultLength, WordleCategoryEN)
-}

 // isValidWord checks if a word is valid, using the in-memory cache first,
 // then the custom allow-list, then DreamDict.
@@ -705,7 +681,7 @@ func (p *WordlePlugin) awardPrize(puzzle *WordlePuzzle) []WordlePayout {
 func (p *WordlePlugin) communityStreak() int {
 	d := db.Get()
 	rows, err := d.Query(
-		`SELECT puzzle_id, solved FROM wordle_puzzles ORDER BY puzzle_id DESC LIMIT 100`)
+		`SELECT puzzle_id, solved FROM wordle_puzzles ORDER BY started_at DESC LIMIT 100`)
 	if err != nil {
 		return 0
 	}
@@ -728,7 +704,6 @@ func (p *WordlePlugin) communityStreak() int {
 }

 func (p *WordlePlugin) rehydratePuzzles() {
-	today := time.Now().UTC().Format("2006-01-02")
 	d := db.Get()

 	// Collect rows first, then close the cursor before doing any nested queries.
@@ -743,14 +718,16 @@ func (p *WordlePlugin) rehydratePuzzles() {
 		startedAt  time.Time
 	}

+	// Find the most recent unsolved puzzle per room.
 	rows, err := d.Query(
 		`SELECT puzzle_id, room_id, answer, word_length, COALESCE(category, ''), solved, guess_count, started_at
-		 FROM wordle_puzzles WHERE puzzle_id = ?`, today)
+		 FROM wordle_puzzles WHERE solved = 0 ORDER BY started_at DESC`)
 	if err != nil {
 		slog.Warn("wordle: rehydrate query failed", "err", err)
 		return
 	}

+	seen := make(map[string]bool) // track rooms already handled
 	var pending []puzzleRow
 	for rows.Next() {
 		var pid, roomStr, answer, category string
@@ -760,10 +737,16 @@ func (p *WordlePlugin) rehydratePuzzles() {
 			continue
 		}

-		if solved == 1 || guessCount >= wordleMaxGuesses(wordLength) {
+		if guessCount >= wordleMaxGuesses(wordLength) {
 			continue // already done
 		}

+		// Only take the most recent unsolved puzzle per room.
+		if seen[roomStr] {
+			continue
+		}
+		seen[roomStr] = true
+
 		pending = append(pending, puzzleRow{pid, roomStr, answer, wordLength, category, startedAt})
 	}
 	rows.Close()
@@ -835,52 +818,3 @@ func (p *WordlePlugin) rehydratePuzzles() {
 	}
 }

-// midnightTicker checks every minute if it's time to post a new daily puzzle.
-func (p *WordlePlugin) midnightTicker() {
-	// Check immediately on startup.
-	p.checkAndPostDaily()
-
-	ticker := time.NewTicker(1 * time.Minute)
-	defer ticker.Stop()
-
-	lastDate := time.Now().UTC().Format("2006-01-02")
-	for range ticker.C {
-		today := time.Now().UTC().Format("2006-01-02")
-		if today != lastDate {
-			lastDate = today
-			p.checkAndPostDaily()
-		}
-	}
-}
-
-func (p *WordlePlugin) checkAndPostDaily() {
-	gr := gamesRoom()
-	if gr == "" {
-		return
-	}
-
-	today := time.Now().UTC().Format("2006-01-02")
-	d := db.Get()
-
-	// Check if today's puzzle already exists for this room.
-	var exists int
-	err := d.QueryRow(
-		`SELECT 1 FROM wordle_puzzles WHERE puzzle_id = ? AND room_id = ?`,
-		today, string(gr),
-	).Scan(&exists)
-	if err == nil {
-		return // already exists
-	}
-	if err != sql.ErrNoRows {
-		slog.Error("wordle: check daily puzzle", "err", err)
-		return
-	}
-
-	// Announce expiry of yesterday's unsolved puzzle before creating the new one.
-	p.expireUnsolved(gr)
-
-	slog.Info("wordle: posting daily puzzle", "room", gr)
-	if err := p.createAndPostPuzzle(gr, p.defaultLength, WordleCategoryEN); err != nil {
-		slog.Error("wordle: daily puzzle failed", "err", err)
-	}
-}
--- a/internal/plugin/wordle_render.go
+++ b/internal/plugin/wordle_render.go
@@ -74,7 +74,7 @@ func renderKeyboard(states map[rune]LetterResult) string {
 // renderWordleStartAnnouncement renders the puzzle start message.
 func renderWordleStartAnnouncement(puzzleNumber, wordLength int, hint string) string {
 	base := fmt.Sprintf(
-		"🟩 **Daily Wordle #%d**\nA new %d-letter puzzle is ready! Work together — %d guesses shared.",
+		"🟩 **Wordle #%d**\nA new %d-letter puzzle is ready! Work together — %d guesses shared.",
 		puzzleNumber, wordLength, wordleMaxGuesses(wordLength),
 	)
 	if hint != "" {