- Implemented the complete first-run experience:

Account creation and guarded onboarding flow.
Current-cash starting balance with automatic rollover enabled.
Dynamic bill generation, shared/custom categories, recurring targets, 
and optional same-day onboarding transactions.
Optional dormant reserve and additional categories.
Mailgun email or authenticator-app 2FA configuration.
Responsive dark/light UI with no overflow at 390px.
Fixed administrator session-ID creation bug.
Core implementation: [OnboardingService.php (line 
59)](/Users/tyemeclifford/Documents/GH/budget/app/OnboardingService.php:59), 
[onboarding.php (line 
19)](/Users/tyemeclifford/Documents/GH/budget/views/onboarding.php:19), 
and [index.php (line 
143)](/Users/tyemeclifford/Documents/GH/budget/public/index.php:143).
Verification passed: financial self-test, onboarding integration test, 
full browser walkthrough, mobile layout, routing guards, and zero 
browser console errors. Live email delivery requires actual Mailgun 
credentials and was not sent during testing.

views/setup.php

@@ -1,14 +1,17 @@
 <div class="auth-card">
-    <p class="eyebrow">First run</p>
-    <h2>Create the administrator</h2>
-    <p class="muted">This account controls the planner, its modules, exports, and alert settings.</p>
+    <p class="eyebrow">Welcome to Neon Ledger</p>
+    <h2>Create your private planner</h2>
+    <p class="muted">Plan from the money you actually have, build monthly bill targets, and carry unused funds safely into the next month.</p>
     <form method="post" class="stack-form">
         <?= csrf_field() ?>
         <input type="hidden" name="action" value="setup">
         <label>Email address<input type="email" name="email" required autocomplete="email" placeholder="you@example.com"></label>
         <label>Password<input type="password" name="password" required minlength="10" autocomplete="new-password" placeholder="At least 10 characters"></label>
         <label>Confirm password<input type="password" name="password_confirmation" required minlength="10" autocomplete="new-password"></label>
-        <label class="check-row"><input type="checkbox" name="enable_2fa" value="1"><span><strong>Enable optional 2FA now</strong><small>You will receive a setup key after account creation.</small></span></label>
-        <button class="button primary full" type="submit">Create planner</button>
+        <div class="auth-info">
+            <strong>Protection and reminders come next</strong>
+            <small>Optional authenticator or email-delivered 2FA and Mailgun bill alerts are available in Configuration after onboarding.</small>
+        </div>
+        <button class="button primary full" type="submit">Create account and continue</button>
     </form>
 </div>