diff --git a/src/commands/audit.zig b/src/commands/audit.zig
index 5aaf749..efbd5a7 100644
--- a/src/commands/audit.zig
+++ b/src/commands/audit.zig
@@ -521,14 +521,17 @@ pub fn compareSchwabSummary(
 
 fn displaySchwabResults(results: []const SchwabAccountComparison, color: bool, out: *std.Io.Writer) !void {
     try cli.setBold(out, color);
-    try out.print("\nSchwab Account Audit (summary)\n", .{});
+    try out.print("\nSchwab Account Audit", .{});
+    try cli.reset(out, color);
+    try cli.setFg(out, color, cli.CLR_MUTED);
+    try out.print("  (brokerage is source of truth)\n", .{});
     try cli.reset(out, color);
     try out.print("========================================\n\n", .{});
 
     // Column headers
     try cli.setFg(out, color, cli.CLR_MUTED);
-    try out.print("  {s:<24} {s:>14} {s:>14} {s:>14} {s:>14} {s}\n", .{
-        "Account", "PF Cash", "BR Cash", "PF Total", "BR Total", "Status",
+    try out.print("  {s:<24} {s:>14} {s:>14} {s:>14} {s:>14}\n", .{
+        "Account", "PF Cash", "BR Cash", "PF Total", "BR Total",
     });
     try cli.reset(out, color);
 
@@ -553,49 +556,70 @@ fn displaySchwabResults(results: []const SchwabAccountComparison, color: bool, o
         else
             "--";
 
-        var status_buf: [64]u8 = undefined;
-        const status: []const u8 = blk: {
-            if (r.account_name.len == 0) break :blk "Unmapped";
+        const cash_ok = if (r.cash_delta) |d| @abs(d) < 1.0 else true;
+        const total_ok = if (r.total_delta) |d| @abs(d) < 1.0 else true;
+        const is_unmapped = r.account_name.len == 0;
+        const is_real_mismatch = !cash_ok or is_unmapped;
 
-            const cash_ok = if (r.cash_delta) |d| @abs(d) < 1.0 else true;
-            const total_ok = if (r.total_delta) |d| @abs(d) < 1.0 else true;
+        if (is_real_mismatch) discrepancy_count += 1;
 
-            if (cash_ok and total_ok) break :blk "ok";
-
-            if (!cash_ok) {
-                if (r.cash_delta) |d| {
-                    var delta_buf: [24]u8 = undefined;
-                    const sign: []const u8 = if (d >= 0) "+" else "-";
-                    break :blk std.fmt.bufPrint(&status_buf, "Cash {s}{s}", .{ sign, fmt.fmtMoneyAbs(&delta_buf, @abs(d)) }) catch "Cash mismatch";
-                }
-            }
-            if (!total_ok) {
-                if (r.total_delta) |d| {
-                    var delta_buf: [24]u8 = undefined;
-                    const sign: []const u8 = if (d >= 0) "+" else "-";
-                    break :blk std.fmt.bufPrint(&status_buf, "Total {s}{s}", .{ sign, fmt.fmtMoneyAbs(&delta_buf, @abs(d)) }) catch "Total mismatch";
-                }
-            }
-            break :blk "Mismatch";
-        };
-
-        const is_ok = std.mem.eql(u8, status, "ok");
-        if (!is_ok) discrepancy_count += 1;
-
-        try out.print("  {s:<24} {s:>14} {s:>14} {s:>14} {s:>14} ", .{
-            label,
-            fmt.fmtMoneyAbs(&pf_cash_buf, r.portfolio_cash),
-            br_cash_str,
-            fmt.fmtMoneyAbs(&pf_total_buf, r.portfolio_total),
-            br_total_str,
-        });
-        if (is_ok) {
-            try cli.setFg(out, color, cli.CLR_POSITIVE);
-        } else {
+        // Account label
+        try out.print("  ", .{});
+        if (is_unmapped) {
             try cli.setFg(out, color, cli.CLR_WARNING);
         }
-        try out.print("{s}\n", .{status});
-        try cli.reset(out, color);
+        try out.print("{s:<24}", .{label});
+        if (is_unmapped) try cli.reset(out, color);
+
+        // PF Cash — colored if mismatched (brokerage is truth)
+        try out.print(" ", .{});
+        if (!cash_ok) {
+            if (r.cash_delta.? > 0)
+                try cli.setFg(out, color, cli.CLR_NEGATIVE)
+            else
+                try cli.setFg(out, color, cli.CLR_POSITIVE);
+        }
+        try out.print("{s:>14}", .{fmt.fmtMoneyAbs(&pf_cash_buf, r.portfolio_cash)});
+        if (!cash_ok) try cli.reset(out, color);
+
+        // BR Cash
+        try out.print(" {s:>14}", .{br_cash_str});
+
+        // PF Total — colored if not just stale prices
+        try out.print(" ", .{});
+        if (!total_ok and !cash_ok) {
+            if (r.total_delta.? > 0)
+                try cli.setFg(out, color, cli.CLR_NEGATIVE)
+            else
+                try cli.setFg(out, color, cli.CLR_POSITIVE);
+        }
+        try out.print("{s:>14}", .{fmt.fmtMoneyAbs(&pf_total_buf, r.portfolio_total)});
+        if (!total_ok and !cash_ok) try cli.reset(out, color);
+
+        // BR Total
+        try out.print(" {s:>14}", .{br_total_str});
+
+        // Status
+        if (is_unmapped) {
+            try cli.setFg(out, color, cli.CLR_WARNING);
+            try out.print(" Unmapped", .{});
+            try cli.reset(out, color);
+        } else if (!cash_ok) {
+            var delta_buf: [24]u8 = undefined;
+            const d = r.cash_delta.?;
+            const sign: []const u8 = if (d >= 0) "+" else "-";
+            try cli.setFg(out, color, cli.CLR_WARNING);
+            try out.print(" Cash {s}{s}", .{ sign, fmt.fmtMoneyAbs(&delta_buf, @abs(d)) });
+            try cli.reset(out, color);
+        } else if (!total_ok) {
+            var delta_buf: [24]u8 = undefined;
+            const d = r.total_delta.?;
+            const sign: []const u8 = if (d >= 0) "+" else "-";
+            try cli.setFg(out, color, cli.CLR_MUTED);
+            try out.print(" Value {s}{s}", .{ sign, fmt.fmtMoneyAbs(&delta_buf, @abs(d)) });
+            try cli.reset(out, color);
+        }
+        try out.print("\n", .{});
 
         grand_pf += r.portfolio_total;
         if (r.schwab_total) |t| grand_br += t;
@@ -616,23 +640,24 @@ fn displaySchwabResults(results: []const SchwabAccountComparison, color: bool, o
     try cli.reset(out, color);
 
     if (@abs(grand_delta) < 1.0) {
-        try cli.setFg(out, color, cli.CLR_POSITIVE);
-        try out.print("  ok", .{});
+        // no delta
     } else {
-        try cli.setFg(out, color, cli.CLR_WARNING);
         const sign: []const u8 = if (grand_delta >= 0) "+" else "-";
+        if (grand_delta >= 0) {
+            try cli.setFg(out, color, cli.CLR_NEGATIVE);
+        } else {
+            try cli.setFg(out, color, cli.CLR_POSITIVE);
+        }
         try out.print("  delta {s}{s}", .{ sign, fmt.fmtMoneyAbs(&grand_delta_buf, @abs(grand_delta)) });
+        try cli.reset(out, color);
     }
-    try cli.reset(out, color);
     try out.print("\n", .{});
 
     if (discrepancy_count > 0) {
         try cli.setFg(out, color, cli.CLR_WARNING);
-        try out.print("  {d} discrepancies — drill down with: zfin audit --schwab <account.csv>\n", .{discrepancy_count});
-        try cli.reset(out, color);
-    } else {
-        try cli.setFg(out, color, cli.CLR_POSITIVE);
-        try out.print("  All accounts match\n", .{});
+        try out.print("  {d} {s} — drill down with: zfin audit --schwab <account.csv>\n", .{
+            discrepancy_count, if (discrepancy_count == 1) @as([]const u8, "mismatch") else @as([]const u8, "mismatches"),
+        });
         try cli.reset(out, color);
     }
     try out.print("\n", .{});
@@ -848,7 +873,10 @@ pub fn compareAccounts(
 
 fn displayResults(results: []const AccountComparison, color: bool, out: *std.Io.Writer) !void {
     try cli.setBold(out, color);
-    try out.print("\nPortfolio Audit\n", .{});
+    try out.print("\nPortfolio Audit", .{});
+    try cli.reset(out, color);
+    try cli.setFg(out, color, cli.CLR_MUTED);
+    try out.print("  (brokerage is source of truth)\n", .{});
     try cli.reset(out, color);
     try out.print("========================================\n\n", .{});
 
@@ -875,7 +903,7 @@ fn displayResults(results: []const AccountComparison, color: bool, out: *std.Io.
         // Column headers
         try cli.setFg(out, color, cli.CLR_MUTED);
         try out.print("    {s:<24} {s:>12} {s:>12} {s:>10} {s:>10} {s}\n", .{
-            "Symbol", "PF Shares", "BR Shares", "PF Price", "BR Price", "Status",
+            "Symbol", "PF Shares", "BR Shares", "PF Price", "BR Price", "",
         });
         try cli.reset(out, color);
 
@@ -885,42 +913,66 @@ fn displayResults(results: []const AccountComparison, color: bool, out: *std.Io.
             var pf_price_buf: [16]u8 = undefined;
             var br_price_buf: [16]u8 = undefined;
 
-            const pf_shares_str = if (cmp.is_cash)
-                "--"
+            // Classify this row
+            const shares_ok = if (cmp.shares_delta) |d| @abs(d) < 0.01 else !cmp.only_in_brokerage;
+            const is_cash_mismatch = cmp.is_cash and (if (cmp.value_delta) |d| @abs(d) >= 1.0 else false);
+            const is_real_mismatch = !shares_ok or cmp.only_in_brokerage or cmp.only_in_portfolio or is_cash_mismatch;
+
+            if (is_real_mismatch) discrepancy_count += 1;
+
+            // Format share strings
+            const pf_shares_str: []const u8 = if (cmp.is_cash)
+                (fmt.fmtMoneyAbs(&pf_shares_buf, cmp.portfolio_value))
             else
                 std.fmt.bufPrint(&pf_shares_buf, "{d:.3}", .{cmp.portfolio_shares}) catch "?";
 
-            const br_shares_str = if (cmp.is_cash)
-                "--"
+            const br_shares_str: []const u8 = if (cmp.is_cash)
+                (if (cmp.brokerage_value) |v| fmt.fmtMoneyAbs(&br_shares_buf, v) else "--")
             else if (cmp.brokerage_shares) |s|
                 (std.fmt.bufPrint(&br_shares_buf, "{d:.3}", .{s}) catch "?")
             else
                 "--";
 
             const pf_price_str: []const u8 = if (cmp.is_cash)
-                "--"
+                ""
             else if (cmp.portfolio_price) |p|
                 (std.fmt.bufPrint(&pf_price_buf, "{d:.2}", .{p}) catch "?")
             else
                 "--";
 
             const br_price_str: []const u8 = if (cmp.is_cash)
-                "--"
+                ""
             else if (cmp.brokerage_price) |p|
                 (std.fmt.bufPrint(&br_price_buf, "{d:.2}", .{p}) catch "?")
             else
                 "--";
 
-            // Determine status
+            // Determine PF Shares color (relative to brokerage)
+            const shares_color: enum { normal, positive, negative, warning } = blk: {
+                if (cmp.only_in_portfolio) break :blk .warning;
+                if (cmp.is_cash and is_cash_mismatch) {
+                    break :blk if (cmp.value_delta.? > 0) .negative else .positive;
+                }
+                if (shares_ok) break :blk .normal;
+                if (cmp.shares_delta) |d| {
+                    break :blk if (d > 0) .negative else .positive;
+                }
+                break :blk .normal;
+            };
+
+            // Determine status text
             var status_buf: [64]u8 = undefined;
             const status: []const u8 = blk: {
                 if (cmp.only_in_brokerage) break :blk "Brokerage only";
                 if (cmp.only_in_portfolio) break :blk "Portfolio only";
 
-                const shares_ok = if (cmp.shares_delta) |d| @abs(d) < 0.01 else true;
-                const value_ok = if (cmp.value_delta) |d| @abs(d) < 1.0 else true;
-
-                if (shares_ok and value_ok) break :blk "ok";
+                if (is_cash_mismatch) {
+                    if (cmp.value_delta) |d| {
+                        var delta_buf: [24]u8 = undefined;
+                        const sign: []const u8 = if (d >= 0) "+" else "-";
+                        break :blk std.fmt.bufPrint(&status_buf, "Cash {s}{s}", .{ sign, fmt.fmtMoneyAbs(&delta_buf, @abs(d)) }) catch "Cash mismatch";
+                    }
+                }
 
                 if (!shares_ok) {
                     if (cmp.shares_delta) |d| {
@@ -928,31 +980,50 @@ fn displayResults(results: []const AccountComparison, color: bool, out: *std.Io.
                         break :blk std.fmt.bufPrint(&status_buf, "Shares {s}{d:.3}", .{ sign, d }) catch "Shares mismatch";
                     }
                 }
-                if (!value_ok) {
-                    if (cmp.value_delta) |d| {
+
+                // Shares match — show value delta (stale price) if any, muted
+                if (cmp.value_delta) |d| {
+                    if (@abs(d) >= 1.0) {
                         var delta_buf: [24]u8 = undefined;
-                        const delta_str = fmt.fmtMoneyAbs(&delta_buf, @abs(d));
                         const sign: []const u8 = if (d >= 0) "+" else "-";
-                        break :blk std.fmt.bufPrint(&status_buf, "Value {s}{s}", .{ sign, delta_str }) catch "Value mismatch";
+                        break :blk std.fmt.bufPrint(&status_buf, "Value {s}{s}", .{ sign, fmt.fmtMoneyAbs(&delta_buf, @abs(d)) }) catch "";
                     }
                 }
-                break :blk "Mismatch";
+
+                break :blk "";
             };
 
-            // Color the status
-            const is_ok = std.mem.eql(u8, status, "ok");
-            if (!is_ok) discrepancy_count += 1;
+            // Status color: real mismatches in warning, stale values muted, ok is blank
+            const status_color: enum { warning, muted, none } = blk: {
+                if (is_real_mismatch) break :blk .warning;
+                if (status.len > 0) break :blk .muted;
+                break :blk .none;
+            };
 
-            try out.print("    {s:<24} {s:>12} {s:>12} {s:>10} {s:>10} ", .{
-                cmp.symbol, pf_shares_str, br_shares_str, pf_price_str, br_price_str,
-            });
-            if (is_ok) {
-                try cli.setFg(out, color, cli.CLR_POSITIVE);
-            } else {
-                try cli.setFg(out, color, cli.CLR_WARNING);
+            // Print symbol
+            try out.print("    {s:<24} ", .{cmp.symbol});
+
+            // Print PF Shares with color
+            switch (shares_color) {
+                .positive => try cli.setFg(out, color, cli.CLR_POSITIVE),
+                .negative => try cli.setFg(out, color, cli.CLR_NEGATIVE),
+                .warning => try cli.setFg(out, color, cli.CLR_WARNING),
+                .normal => {},
+            }
+            try out.print("{s:>12}", .{pf_shares_str});
+            if (shares_color != .normal) try cli.reset(out, color);
+
+            // Print BR Shares, prices
+            try out.print(" {s:>12} {s:>10} {s:>10} ", .{ br_shares_str, pf_price_str, br_price_str });
+
+            // Print status
+            switch (status_color) {
+                .warning => try cli.setFg(out, color, cli.CLR_WARNING),
+                .muted => try cli.setFg(out, color, cli.CLR_MUTED),
+                .none => {},
             }
             try out.print("{s}\n", .{status});
-            try cli.reset(out, color);
+            if (status_color != .none) try cli.reset(out, color);
         }
 
         // Account totals
@@ -965,15 +1036,19 @@ fn displayResults(results: []const AccountComparison, color: bool, out: *std.Io.
         });
         try cli.reset(out, color);
 
-        if (@abs(acct.total_delta) < 1.0) {
-            try cli.setFg(out, color, cli.CLR_POSITIVE);
-            try out.print("ok\n", .{});
+        const delta = acct.total_delta;
+        if (@abs(delta) < 1.0) {
+            try out.print("\n", .{});
         } else {
-            try cli.setFg(out, color, cli.CLR_WARNING);
-            const sign: []const u8 = if (acct.total_delta >= 0) "+" else "-";
-            try out.print("Delta {s}{s}\n", .{ sign, fmt.fmtMoneyAbs(&delta_buf, @abs(acct.total_delta)) });
+            const sign: []const u8 = if (delta >= 0) "+" else "-";
+            if (delta >= 0) {
+                try cli.setFg(out, color, cli.CLR_NEGATIVE);
+            } else {
+                try cli.setFg(out, color, cli.CLR_POSITIVE);
+            }
+            try out.print("Delta {s}{s}\n", .{ sign, fmt.fmtMoneyAbs(&delta_buf, @abs(delta)) });
+            try cli.reset(out, color);
         }
-        try cli.reset(out, color);
         try out.print("\n", .{});
 
         total_portfolio += acct.portfolio_total;
@@ -994,23 +1069,22 @@ fn displayResults(results: []const AccountComparison, color: bool, out: *std.Io.
     try cli.reset(out, color);
 
     if (@abs(grand_delta) < 1.0) {
-        try cli.setFg(out, color, cli.CLR_POSITIVE);
-        try out.print("  ok", .{});
+        // no delta text needed
     } else {
-        try cli.setFg(out, color, cli.CLR_WARNING);
         const sign: []const u8 = if (grand_delta >= 0) "+" else "-";
+        if (grand_delta >= 0) {
+            try cli.setFg(out, color, cli.CLR_NEGATIVE);
+        } else {
+            try cli.setFg(out, color, cli.CLR_POSITIVE);
+        }
         try out.print("  delta {s}{s}", .{ sign, fmt.fmtMoneyAbs(&grand_delta_buf, @abs(grand_delta)) });
+        try cli.reset(out, color);
     }
-    try cli.reset(out, color);
     try out.print("\n", .{});
 
     if (discrepancy_count > 0) {
         try cli.setFg(out, color, cli.CLR_WARNING);
-        try out.print("  {d} discrepancies found\n", .{discrepancy_count});
-        try cli.reset(out, color);
-    } else {
-        try cli.setFg(out, color, cli.CLR_POSITIVE);
-        try out.print("  All positions match\n", .{});
+        try out.print("  {d} {s} to investigate\n", .{ discrepancy_count, if (discrepancy_count == 1) @as([]const u8, "mismatch") else @as([]const u8, "mismatches") });
         try cli.reset(out, color);
     }
     try out.print("\n", .{});