diff --git a/.env.example b/.env.example
new file mode 100644
index 0000000..a8548f3
--- /dev/null
+++ b/.env.example
@@ -0,0 +1,8 @@
+SERVER_IP=0.0.0.0
+PROXY_PORT=3456
+FRONTEND_PORT=2080
+PB_PORT=8090
+PB_EMAIL=
+PB_PASSWORD=
+DEBUG_RECORD_ID=
+PUBLIC_PB_URL=
diff --git a/AGENTS.md b/AGENTS.md
index 30720e7..7ac1b85 100644
--- a/AGENTS.md
+++ b/AGENTS.md
@@ -116,13 +116,29 @@ $effect(() => {
 let items = $state(famStore.initialized ? famStore.items : (data.items || []));
 ```
 
-**Form action callbacks must call `famStore.applyRecord()`:**
-```ts
-// In use:enhance callback:
-famStore.applyRecord('collection_name', record, 'create' | 'update' | 'delete');
+## Update Patterns
+
+Two patterns based on who's acting:
+
+| Pattern | Who | Frequency | Sensitivity | Optimistic? | Auth |
+|---------|-----|-----------|-------------|-------------|------|
+| Direct `fetch` + `memberApi` | Member | High (chore toggles) | None | Yes (instant UI, reconcile on response) | `x-device-token` header |
+| Form action | Admin | Low (CRUD) | High (settings, members) | No — form is server-side, wait for round trip | httpOnly `session` cookie |
+
+**Member direct fetch** — optimistic UI via local state mutation, reconciled on response:
+```svelte
+let completions = $state(data.completions)
+async function toggle(chore) {
+    // optimistic update
+    completions = [...completions, { id: 'optimistic-...', ... }]
+    try {
+        await memberApi.toggleCompletion(token, famId, chore.id, date)
+        // reconcile — remove optimistic, keep server truth
+    } catch { /* revert */ }
+}
 ```
 
-The `famStore` has reactive `$state` properties and an `applyRecord()` method designed for instant UI feedback from form actions. Calling `applyRecord()` mutates the store directly — the UI updates immediately without waiting for PB SSE. The SSE subscription is a backup for multi-user sync only. Do NOT add `$effect` watchers to bridge the gap between form actions and reactive state.
+**Admin form actions** — no optimistic `applyRecord` needed in `use:enhance` callbacks. The form action is a server round trip, and PB SSE pushes the change back through `famStore.handleRealtime()` within milliseconds. The famStore + SSE subscription is the single source of truth for cross-user sync. Do NOT add `$effect` watchers to bridge the gap between form actions and reactive state.
 
 ## UI Component Conventions
 
diff --git a/config.d.ts b/config.d.ts
new file mode 100644
index 0000000..de2e0af
--- /dev/null
+++ b/config.d.ts
@@ -0,0 +1,9 @@
+export declare const FRONTEND_PORT = "2080";
+export declare const PROXY_PORT = "3456";
+export declare const SERVER_IP = "192.168.1.225";
+export declare const PB_PORT = "8090";
+export declare const PB_EMAIL = "debug@famchamp.dev";
+export declare const PB_PASSWORD = "debug123";
+export declare const DEBUG_RECORD_ID = "0747qjl16m6o529";
+export declare const PUBLIC_PB_URL = "http://192.168.1.225:8090";
+//# sourceMappingURL=config.d.ts.map
\ No newline at end of file
diff --git a/config.d.ts.map b/config.d.ts.map
new file mode 100644
index 0000000..5f4b6bd
--- /dev/null
+++ b/config.d.ts.map
@@ -0,0 +1 @@
+{"version":3,"file":"config.d.ts","sourceRoot":"","sources":["config.ts"],"names":[],"mappings":"AAAA,eAAO,MAAM,aAAa,SAAS,CAAC;AACpC,eAAO,MAAM,UAAU,SAAS,CAAC;AACjC,eAAO,MAAM,SAAS,kBAAkB,CAAC;AACzC,eAAO,MAAM,OAAO,SAAS,CAAC;AAC9B,eAAO,MAAM,QAAQ,uBAAuB,CAAC;AAC7C,eAAO,MAAM,WAAW,aAAa,CAAC;AACtC,eAAO,MAAM,eAAe,oBAAoB,CAAC;AACjD,eAAO,MAAM,aAAa,8BAAmC,CAAC"}
\ No newline at end of file
diff --git a/config.js b/config.js
new file mode 100644
index 0000000..4a2514d
--- /dev/null
+++ b/config.js
@@ -0,0 +1,9 @@
+export const FRONTEND_PORT = "2080";
+export const PROXY_PORT = "3456";
+export const SERVER_IP = "192.168.1.225";
+export const PB_PORT = "8090";
+export const PB_EMAIL = "debug@famchamp.dev";
+export const PB_PASSWORD = "debug123";
+export const DEBUG_RECORD_ID = "0747qjl16m6o529";
+export const PUBLIC_PB_URL = `http://${SERVER_IP}:${PB_PORT}`;
+//# sourceMappingURL=config.js.map
\ No newline at end of file
diff --git a/config.js.map b/config.js.map
new file mode 100644
index 0000000..d3e247a
--- /dev/null
+++ b/config.js.map
@@ -0,0 +1 @@
+{"version":3,"file":"config.js","sourceRoot":"","sources":["config.ts"],"names":[],"mappings":"AAAA,MAAM,CAAC,MAAM,aAAa,GAAG,MAAM,CAAC;AACpC,MAAM,CAAC,MAAM,UAAU,GAAG,MAAM,CAAC;AACjC,MAAM,CAAC,MAAM,SAAS,GAAG,eAAe,CAAC;AACzC,MAAM,CAAC,MAAM,OAAO,GAAG,MAAM,CAAC;AAC9B,MAAM,CAAC,MAAM,QAAQ,GAAG,oBAAoB,CAAC;AAC7C,MAAM,CAAC,MAAM,WAAW,GAAG,UAAU,CAAC;AACtC,MAAM,CAAC,MAAM,eAAe,GAAG,iBAAiB,CAAC;AACjD,MAAM,CAAC,MAAM,aAAa,GAAG,UAAU,SAAS,IAAI,OAAO,EAAE,CAAC"}
\ No newline at end of file
diff --git a/frontend/src/routes/[fam]/[username]/+page.svelte b/frontend/src/routes/[fam]/[username]/+page.svelte
index fbe1957..65ae877 100644
--- a/frontend/src/routes/[fam]/[username]/+page.svelte
+++ b/frontend/src/routes/[fam]/[username]/+page.svelte
@@ -468,18 +468,7 @@
 							{#each todays as c}
 								<li>
 									✅ {choreNameFor(c.assignedChoreId)}
-									<form
-										method="POST"
-										action="?/revoke"
-										use:enhance={() => {
-											return async (args) =>
-												handleResult(args, (d) => {
-													if (d.revoked)
-														famStore.applyRecord('completions', { id: d.id }, 'delete');
-												});
-										}}
-										class="revoke-form"
-									>
+									<form method="POST" action="?/revoke" use:enhance={() => { return async (args) => handleResult(args); }} class="revoke-form">
 										<input type="hidden" name="id" value={c.id} />
 										<button type="submit" class="revoke-btn" title="Revoke">↩</button>
 									</form>
@@ -511,18 +500,7 @@
 							<span class="trigger-value">{val}</span>
 						</div>
 						{#if targeted}
-							<form
-								method="POST"
-								action="?/trigger"
-								use:enhance={() => {
-									return async (args: any) =>
-										handleResult(args, (d: any) => {
-											if (d.records) {
-												d.records.forEach((r: any) => famStore.applyRecord('rewards', r, 'create'));
-											}
-										});
-								}}
-							>
+							<form method="POST" action="?/trigger" use:enhance={() => { return async (args: any) => handleResult(args); }}>
 								<input type="hidden" name="configId" value={bc.id} />
 								<input type="hidden" name="memberId" value={targeted.id} />
 								<div class="trigger-row">
@@ -533,18 +511,7 @@
 								</div>
 							</form>
 						{:else}
-							<form
-								method="POST"
-								action="?/trigger"
-								use:enhance={() => {
-									return async (args: any) =>
-										handleResult(args, (d: any) => {
-											if (d.records) {
-												d.records.forEach((r: any) => famStore.applyRecord('rewards', r, 'create'));
-											}
-										});
-								}}
-							>
+							<form method="POST" action="?/trigger" use:enhance={() => { return async (args: any) => handleResult(args); }}>
 								<input type="hidden" name="configId" value={bc.id} />
 								<div class="trigger-row">
 									<select name="memberId" class="trigger-select">
@@ -584,12 +551,7 @@
 										method="POST"
 										action="?/claim"
 										use:enhance={() => {
-											return async (args: any) =>
-												handleResult(args, (d: any) => {
-													if (d.record) {
-														famStore.applyRecord('rewards', d.record, 'update');
-													}
-												});
+											return async (args: any) => handleResult(args);
 										}}
 									>
 										<input type="hidden" name="id" value={r.id} />
@@ -599,7 +561,6 @@
 											<div class="payment-right">
 												<span class="value">{rewardLabel(r)}</span>
 												<Button type="submit" size="sm" variant="primary">Issue</Button>
-											</div>
 										</div>
 									</form>
 								{/each}
diff --git a/frontend/src/routes/[fam]/[username]/bonuses/+page.svelte b/frontend/src/routes/[fam]/[username]/bonuses/+page.svelte
index f39c74b..2febabf 100644
--- a/frontend/src/routes/[fam]/[username]/bonuses/+page.svelte
+++ b/frontend/src/routes/[fam]/[username]/bonuses/+page.svelte
@@ -176,7 +176,9 @@ import type {
 				const rec = result.data?.record;
 				if (rec) {
 					configs = [rec as BonusConfig, ...configs];
-					famStore.applyRecord('bonus_configs', rec, 'create');
+					if (famStore.fam?.featureFlags?.optimisticUpdates) {
+						famStore.applyRecord('bonus_configs', rec, 'create');
+					}
 				}
 				showCreateModal = false;
 			}
@@ -189,7 +191,9 @@ import type {
 				const updated = { ...editingConfig, ...editVals, rewardValue: editVals.rewardValue };
 				const idx = configs.findIndex((c) => c.id === editingConfig!.id);
 				if (idx !== -1) configs[idx] = updated as BonusConfig;
-				famStore.applyRecord('bonus_configs', updated, 'update');
+				if (famStore.fam?.featureFlags?.optimisticUpdates) {
+					famStore.applyRecord('bonus_configs', updated, 'update');
+				}
 				showEditModal = false;
 				editingConfig = null;
 			}
diff --git a/frontend/src/routes/[fam]/[username]/chores/+page.svelte b/frontend/src/routes/[fam]/[username]/chores/+page.svelte
index 02bba05..f285423 100644
--- a/frontend/src/routes/[fam]/[username]/chores/+page.svelte
+++ b/frontend/src/routes/[fam]/[username]/chores/+page.svelte
@@ -140,7 +140,9 @@
 				const rec = result.data?.record
 				if (rec) {
 					templates = [rec as ChoreTemplate, ...templates]
-					famStore.applyRecord('chore_templates', rec, 'create')
+					if (famStore.fam?.featureFlags?.optimisticUpdates) {
+						famStore.applyRecord('chore_templates', rec, 'create')
+					}
 				}
 			}
 		}
@@ -159,7 +161,9 @@
 						customName: editCustomName || undefined,
 						seasonIds: editSeasonIds.length > 0 ? editSeasonIds : [],
 					} as AssignedChore
-					famStore.applyRecord('assigned_chores', assigned[idx], 'update')
+					if (famStore.fam?.featureFlags?.optimisticUpdates) {
+						famStore.applyRecord('assigned_chores', assigned[idx], 'update')
+					}
 				}				
 			}
 			closeEdit()
@@ -185,7 +189,9 @@
 						? { ...a, frequency: editTplFreq, type: editTplType, value: editTplValue }
 						: a
 				) as AssignedChore[]
-				famStore.applyRecord('chore_templates', templates[idx], 'update')
+				if (famStore.fam?.featureFlags?.optimisticUpdates) {
+					famStore.applyRecord('chore_templates', templates[idx], 'update')
+				}
 				closeEditTemplate()
 			}
 		}
@@ -233,7 +239,7 @@
 				</div>
 				<div class="card-actions">
 					<button onclick={() => openEditTemplate(t)} class="edit-btn" title="Edit template">✎</button>
-					<form method="POST" action="?/deleteTemplate" use:enhance={() => { return async ({ result, formData }) => { if (result.type === 'success') { const id = formData.get('id'); templates = templates.filter((t) => t.id !== id) as ChoreTemplate[]; const rec = result.data.record; if (rec) famStore.applyRecord('chore_templates', { ...rec, id }, 'delete'); } }; }}>
+					<form method="POST" action="?/deleteTemplate" use:enhance={() => { return async ({ result, formData }) => { if (result.type === 'success') { const id = formData.get('id'); templates = templates.filter((t) => t.id !== id) as ChoreTemplate[]; if (famStore.fam?.featureFlags?.optimisticUpdates) { const rec = result.data.record; if (rec) famStore.applyRecord('chore_templates', { ...rec, id }, 'delete'); } } }; }}>
 						<input type="hidden" name="id" value={t.id} />
 						<button type="submit" class="del-btn" title="Delete template">×</button>
 					</form>
@@ -278,11 +284,10 @@
 							e.stopPropagation();
 							const s = page.data.session as any;
 							if (!s) return;
-							const res = await fetch(`/api/admin/${s.famId}/assigned-chores/${a.id}`, {
+							await fetch(`/api/admin/${s.famId}/assigned-chores/${a.id}`, {
 								method: 'DELETE',
 								headers: { 'x-session-famid': s.famId, 'x-session-userid': s.userId },
 							});
-							if (res.ok) famStore.applyRecord('assigned_chores', { id: a.id }, 'delete');
 						}}
 					>×</button>
 				</div>
diff --git a/frontend/src/routes/[fam]/[username]/rewards/+page.svelte b/frontend/src/routes/[fam]/[username]/rewards/+page.svelte
index e8fdb8c..6f6d3c0 100644
--- a/frontend/src/routes/[fam]/[username]/rewards/+page.svelte
+++ b/frontend/src/routes/[fam]/[username]/rewards/+page.svelte
@@ -98,7 +98,7 @@
 							</td>
 							<td>
 								{#if outstanding}
-									<form method="POST" action="?/claim" use:enhance={() => { return async (args: any) => { const d = args.result.data || {}; if (d.error) showToast(d.error); else if (args.result.type === 'success') { if (d.record) famStore.applyRecord('rewards', d.record, 'update'); fire(); } }; }}>
+									<form method="POST" action="?/claim" use:enhance={() => { return async (args: any) => { const d = args.result.data || {}; if (d.error) showToast(d.error); else if (args.result.type === 'success') { if (d.record && famStore.fam?.featureFlags?.optimisticUpdates) famStore.applyRecord('rewards', d.record, 'update'); fire(); } }; }}>
 										<input name="id" type="hidden" value={r.id} />
 										<Button type="submit" size="sm">Claim</Button>
 									</form>