diff --git a/src/integrations/supabase/types.ts b/src/integrations/supabase/types.ts
index 2c3dbb6..38f8c41 100644
--- a/src/integrations/supabase/types.ts
+++ b/src/integrations/supabase/types.ts
@@ -620,6 +620,7 @@ export type Database = {
       }
       billing_settings: {
         Row: {
+          auto_assess_penalties: boolean
           default_due_days: number
           early_dropoff_fee_cents: number
           id: boolean
@@ -629,6 +630,7 @@ export type Database = {
           updated_at: string
         }
         Insert: {
+          auto_assess_penalties?: boolean
           default_due_days?: number
           early_dropoff_fee_cents?: number
           id?: boolean
@@ -638,6 +640,7 @@ export type Database = {
           updated_at?: string
         }
         Update: {
+          auto_assess_penalties?: boolean
           default_due_days?: number
           early_dropoff_fee_cents?: number
           id?: boolean
@@ -2398,56 +2401,156 @@ export type Database = {
           },
         ]
       }
+      payment_allocations: {
+        Row: {
+          allocated_at: string
+          allocated_by: string | null
+          amount_cents: number
+          id: string
+          invoice_id: string
+          payment_id: string
+        }
+        Insert: {
+          allocated_at?: string
+          allocated_by?: string | null
+          amount_cents: number
+          id?: string
+          invoice_id: string
+          payment_id: string
+        }
+        Update: {
+          allocated_at?: string
+          allocated_by?: string | null
+          amount_cents?: number
+          id?: string
+          invoice_id?: string
+          payment_id?: string
+        }
+        Relationships: [
+          {
+            foreignKeyName: "payment_allocations_invoice_id_fkey"
+            columns: ["invoice_id"]
+            isOneToOne: false
+            referencedRelation: "invoices"
+            referencedColumns: ["id"]
+          },
+          {
+            foreignKeyName: "payment_allocations_invoice_id_fkey"
+            columns: ["invoice_id"]
+            isOneToOne: false
+            referencedRelation: "v_outstanding_invoices"
+            referencedColumns: ["invoice_id"]
+          },
+          {
+            foreignKeyName: "payment_allocations_payment_id_fkey"
+            columns: ["payment_id"]
+            isOneToOne: false
+            referencedRelation: "payments"
+            referencedColumns: ["id"]
+          },
+        ]
+      }
       payment_plans: {
         Row: {
+          autopay_authorized: boolean
+          campus_id: string | null
           created_at: string
           created_by: string | null
           day_of_period: number | null
+          down_payment_cents: number
           end_date: string | null
           frequency: string
+          grace_period_days: number
           household_id: string | null
           id: string
           installment_amount_cents: number
+          installment_count: number | null
+          late_fee_cents: number
+          missed_payment_action: string | null
           name: string
           notes: string | null
+          payment_method: string | null
+          scholarship_contribution_cents: number
           start_date: string
           status: string
           student_id: string | null
+          total_obligation_cents: number | null
           updated_at: string
         }
         Insert: {
+          autopay_authorized?: boolean
+          campus_id?: string | null
           created_at?: string
           created_by?: string | null
           day_of_period?: number | null
+          down_payment_cents?: number
           end_date?: string | null
           frequency?: string
+          grace_period_days?: number
           household_id?: string | null
           id?: string
           installment_amount_cents: number
+          installment_count?: number | null
+          late_fee_cents?: number
+          missed_payment_action?: string | null
           name: string
           notes?: string | null
+          payment_method?: string | null
+          scholarship_contribution_cents?: number
           start_date?: string
           status?: string
           student_id?: string | null
+          total_obligation_cents?: number | null
           updated_at?: string
         }
         Update: {
+          autopay_authorized?: boolean
+          campus_id?: string | null
           created_at?: string
           created_by?: string | null
           day_of_period?: number | null
+          down_payment_cents?: number
           end_date?: string | null
           frequency?: string
+          grace_period_days?: number
           household_id?: string | null
           id?: string
           installment_amount_cents?: number
+          installment_count?: number | null
+          late_fee_cents?: number
+          missed_payment_action?: string | null
           name?: string
           notes?: string | null
+          payment_method?: string | null
+          scholarship_contribution_cents?: number
           start_date?: string
           status?: string
           student_id?: string | null
+          total_obligation_cents?: number | null
           updated_at?: string
         }
         Relationships: [
+          {
+            foreignKeyName: "payment_plans_campus_id_fkey"
+            columns: ["campus_id"]
+            isOneToOne: false
+            referencedRelation: "campuses"
+            referencedColumns: ["id"]
+          },
+          {
+            foreignKeyName: "payment_plans_campus_id_fkey"
+            columns: ["campus_id"]
+            isOneToOne: false
+            referencedRelation: "v_campus_enrollment"
+            referencedColumns: ["campus_id"]
+          },
+          {
+            foreignKeyName: "payment_plans_campus_id_fkey"
+            columns: ["campus_id"]
+            isOneToOne: false
+            referencedRelation: "v_student_directory"
+            referencedColumns: ["primary_campus_id"]
+          },
           {
             foreignKeyName: "payment_plans_household_id_fkey"
             columns: ["household_id"]
@@ -2478,6 +2581,390 @@ export type Database = {
           },
         ]
       }
+      payments: {
+        Row: {
+          amount_cents: number
+          campus_id: string | null
+          created_at: string
+          document_path: string | null
+          effective_date: string
+          household_id: string | null
+          id: string
+          kind: string
+          method: string
+          notes: string | null
+          payer_name: string | null
+          received_at: string
+          received_by: string | null
+          reference_number: string | null
+          reverses_payment_id: string | null
+          scholarship_id: string | null
+          status: string
+          student_id: string | null
+          third_party_name: string | null
+          updated_at: string
+          void_reason: string | null
+        }
+        Insert: {
+          amount_cents: number
+          campus_id?: string | null
+          created_at?: string
+          document_path?: string | null
+          effective_date?: string
+          household_id?: string | null
+          id?: string
+          kind?: string
+          method: string
+          notes?: string | null
+          payer_name?: string | null
+          received_at?: string
+          received_by?: string | null
+          reference_number?: string | null
+          reverses_payment_id?: string | null
+          scholarship_id?: string | null
+          status?: string
+          student_id?: string | null
+          third_party_name?: string | null
+          updated_at?: string
+          void_reason?: string | null
+        }
+        Update: {
+          amount_cents?: number
+          campus_id?: string | null
+          created_at?: string
+          document_path?: string | null
+          effective_date?: string
+          household_id?: string | null
+          id?: string
+          kind?: string
+          method?: string
+          notes?: string | null
+          payer_name?: string | null
+          received_at?: string
+          received_by?: string | null
+          reference_number?: string | null
+          reverses_payment_id?: string | null
+          scholarship_id?: string | null
+          status?: string
+          student_id?: string | null
+          third_party_name?: string | null
+          updated_at?: string
+          void_reason?: string | null
+        }
+        Relationships: [
+          {
+            foreignKeyName: "payments_campus_id_fkey"
+            columns: ["campus_id"]
+            isOneToOne: false
+            referencedRelation: "campuses"
+            referencedColumns: ["id"]
+          },
+          {
+            foreignKeyName: "payments_campus_id_fkey"
+            columns: ["campus_id"]
+            isOneToOne: false
+            referencedRelation: "v_campus_enrollment"
+            referencedColumns: ["campus_id"]
+          },
+          {
+            foreignKeyName: "payments_campus_id_fkey"
+            columns: ["campus_id"]
+            isOneToOne: false
+            referencedRelation: "v_student_directory"
+            referencedColumns: ["primary_campus_id"]
+          },
+          {
+            foreignKeyName: "payments_household_id_fkey"
+            columns: ["household_id"]
+            isOneToOne: false
+            referencedRelation: "households"
+            referencedColumns: ["id"]
+          },
+          {
+            foreignKeyName: "payments_household_id_fkey"
+            columns: ["household_id"]
+            isOneToOne: false
+            referencedRelation: "v_household_balances"
+            referencedColumns: ["household_id"]
+          },
+          {
+            foreignKeyName: "payments_reverses_payment_id_fkey"
+            columns: ["reverses_payment_id"]
+            isOneToOne: false
+            referencedRelation: "payments"
+            referencedColumns: ["id"]
+          },
+          {
+            foreignKeyName: "payments_scholarship_id_fkey"
+            columns: ["scholarship_id"]
+            isOneToOne: false
+            referencedRelation: "scholarships"
+            referencedColumns: ["id"]
+          },
+          {
+            foreignKeyName: "payments_student_id_fkey"
+            columns: ["student_id"]
+            isOneToOne: false
+            referencedRelation: "students"
+            referencedColumns: ["id"]
+          },
+          {
+            foreignKeyName: "payments_student_id_fkey"
+            columns: ["student_id"]
+            isOneToOne: false
+            referencedRelation: "v_student_directory"
+            referencedColumns: ["student_id"]
+          },
+        ]
+      }
+      penalty_events: {
+        Row: {
+          approved_at: string | null
+          approved_by: string | null
+          attendance_id: string | null
+          campus_id: string | null
+          computed_fee_cents: number
+          created_at: string
+          event_type: string
+          final_fee_cents: number
+          id: string
+          invoice_id: string | null
+          is_waived: boolean
+          minutes_over: number
+          notes: string | null
+          notification_method: string | null
+          occurred_on: string
+          override_reason: string | null
+          parent_notified_at: string | null
+          recorded_by: string | null
+          rule_id: string | null
+          student_id: string
+          updated_at: string
+          waived_at: string | null
+          waived_by: string | null
+          waiver_reason: string | null
+        }
+        Insert: {
+          approved_at?: string | null
+          approved_by?: string | null
+          attendance_id?: string | null
+          campus_id?: string | null
+          computed_fee_cents?: number
+          created_at?: string
+          event_type: string
+          final_fee_cents?: number
+          id?: string
+          invoice_id?: string | null
+          is_waived?: boolean
+          minutes_over?: number
+          notes?: string | null
+          notification_method?: string | null
+          occurred_on?: string
+          override_reason?: string | null
+          parent_notified_at?: string | null
+          recorded_by?: string | null
+          rule_id?: string | null
+          student_id: string
+          updated_at?: string
+          waived_at?: string | null
+          waived_by?: string | null
+          waiver_reason?: string | null
+        }
+        Update: {
+          approved_at?: string | null
+          approved_by?: string | null
+          attendance_id?: string | null
+          campus_id?: string | null
+          computed_fee_cents?: number
+          created_at?: string
+          event_type?: string
+          final_fee_cents?: number
+          id?: string
+          invoice_id?: string | null
+          is_waived?: boolean
+          minutes_over?: number
+          notes?: string | null
+          notification_method?: string | null
+          occurred_on?: string
+          override_reason?: string | null
+          parent_notified_at?: string | null
+          recorded_by?: string | null
+          rule_id?: string | null
+          student_id?: string
+          updated_at?: string
+          waived_at?: string | null
+          waived_by?: string | null
+          waiver_reason?: string | null
+        }
+        Relationships: [
+          {
+            foreignKeyName: "penalty_events_attendance_id_fkey"
+            columns: ["attendance_id"]
+            isOneToOne: false
+            referencedRelation: "attendance"
+            referencedColumns: ["id"]
+          },
+          {
+            foreignKeyName: "penalty_events_campus_id_fkey"
+            columns: ["campus_id"]
+            isOneToOne: false
+            referencedRelation: "campuses"
+            referencedColumns: ["id"]
+          },
+          {
+            foreignKeyName: "penalty_events_campus_id_fkey"
+            columns: ["campus_id"]
+            isOneToOne: false
+            referencedRelation: "v_campus_enrollment"
+            referencedColumns: ["campus_id"]
+          },
+          {
+            foreignKeyName: "penalty_events_campus_id_fkey"
+            columns: ["campus_id"]
+            isOneToOne: false
+            referencedRelation: "v_student_directory"
+            referencedColumns: ["primary_campus_id"]
+          },
+          {
+            foreignKeyName: "penalty_events_invoice_id_fkey"
+            columns: ["invoice_id"]
+            isOneToOne: false
+            referencedRelation: "invoices"
+            referencedColumns: ["id"]
+          },
+          {
+            foreignKeyName: "penalty_events_invoice_id_fkey"
+            columns: ["invoice_id"]
+            isOneToOne: false
+            referencedRelation: "v_outstanding_invoices"
+            referencedColumns: ["invoice_id"]
+          },
+          {
+            foreignKeyName: "penalty_events_rule_id_fkey"
+            columns: ["rule_id"]
+            isOneToOne: false
+            referencedRelation: "penalty_rules"
+            referencedColumns: ["id"]
+          },
+          {
+            foreignKeyName: "penalty_events_student_id_fkey"
+            columns: ["student_id"]
+            isOneToOne: false
+            referencedRelation: "students"
+            referencedColumns: ["id"]
+          },
+          {
+            foreignKeyName: "penalty_events_student_id_fkey"
+            columns: ["student_id"]
+            isOneToOne: false
+            referencedRelation: "v_student_directory"
+            referencedColumns: ["student_id"]
+          },
+        ]
+      }
+      penalty_rules: {
+        Row: {
+          allowed_time: string | null
+          amount_cents: number
+          campus_id: string | null
+          created_at: string
+          created_by: string | null
+          effective_end: string | null
+          effective_start: string
+          escalated_amount_cents: number | null
+          grace_period_minutes: number
+          id: string
+          increment_minutes: number | null
+          is_active: boolean
+          max_fee_cents: number | null
+          method: string
+          name: string
+          notes: string | null
+          notify_parent: boolean
+          priority: number
+          requires_approval: boolean
+          rule_type: string
+          threshold_count: number | null
+          threshold_window_days: number | null
+          updated_at: string
+          waiver_roles: Database["public"]["Enums"]["app_role"][]
+        }
+        Insert: {
+          allowed_time?: string | null
+          amount_cents?: number
+          campus_id?: string | null
+          created_at?: string
+          created_by?: string | null
+          effective_end?: string | null
+          effective_start?: string
+          escalated_amount_cents?: number | null
+          grace_period_minutes?: number
+          id?: string
+          increment_minutes?: number | null
+          is_active?: boolean
+          max_fee_cents?: number | null
+          method?: string
+          name: string
+          notes?: string | null
+          notify_parent?: boolean
+          priority?: number
+          requires_approval?: boolean
+          rule_type: string
+          threshold_count?: number | null
+          threshold_window_days?: number | null
+          updated_at?: string
+          waiver_roles?: Database["public"]["Enums"]["app_role"][]
+        }
+        Update: {
+          allowed_time?: string | null
+          amount_cents?: number
+          campus_id?: string | null
+          created_at?: string
+          created_by?: string | null
+          effective_end?: string | null
+          effective_start?: string
+          escalated_amount_cents?: number | null
+          grace_period_minutes?: number
+          id?: string
+          increment_minutes?: number | null
+          is_active?: boolean
+          max_fee_cents?: number | null
+          method?: string
+          name?: string
+          notes?: string | null
+          notify_parent?: boolean
+          priority?: number
+          requires_approval?: boolean
+          rule_type?: string
+          threshold_count?: number | null
+          threshold_window_days?: number | null
+          updated_at?: string
+          waiver_roles?: Database["public"]["Enums"]["app_role"][]
+        }
+        Relationships: [
+          {
+            foreignKeyName: "penalty_rules_campus_id_fkey"
+            columns: ["campus_id"]
+            isOneToOne: false
+            referencedRelation: "campuses"
+            referencedColumns: ["id"]
+          },
+          {
+            foreignKeyName: "penalty_rules_campus_id_fkey"
+            columns: ["campus_id"]
+            isOneToOne: false
+            referencedRelation: "v_campus_enrollment"
+            referencedColumns: ["campus_id"]
+          },
+          {
+            foreignKeyName: "penalty_rules_campus_id_fkey"
+            columns: ["campus_id"]
+            isOneToOne: false
+            referencedRelation: "v_student_directory"
+            referencedColumns: ["primary_campus_id"]
+          },
+        ]
+      }
       plan_accommodations: {
         Row: {
           category: string
@@ -5401,6 +5888,25 @@ export type Database = {
           },
         ]
       }
+      v_student_ledger: {
+        Row: {
+          amount_cents: number | null
+          campus_id: string | null
+          direction: string | null
+          effective_date: string | null
+          entered_by: string | null
+          method: string | null
+          ref_id: string | null
+          reference: string | null
+          running_balance_cents: number | null
+          sort_ts: string | null
+          source: string | null
+          student_id: string | null
+          student_name: string | null
+          txn_date: string | null
+        }
+        Relationships: []
+      }
     }
     Functions: {
       active_student_alerts: {
@@ -5430,6 +5936,14 @@ export type Database = {
           isSetofReturn: true
         }
       }
+      allocate_payment_oldest_first: {
+        Args: { _payment: string }
+        Returns: number
+      }
+      assess_attendance_penalties: {
+        Args: { _attendance: string }
+        Returns: number
+      }
       campus_ratio: {
         Args: { _campus: string; _date: string }
         Returns: {
@@ -5483,6 +5997,23 @@ export type Database = {
       can_view_meeting: { Args: { _meeting: string }; Returns: boolean }
       can_view_plan_full: { Args: { _plan: string }; Returns: boolean }
       can_view_plan_impl: { Args: { _plan: string }; Returns: boolean }
+      compute_all_invoice_lines: {
+        Args: { _from: string; _student: string; _to: string }
+        Returns: {
+          adjustment_rule_id: string
+          amount_cents: number
+          campus_id: string
+          credit_id: string
+          description: string
+          detail: Json
+          line_kind: string
+          quantity: number
+          scholarship_id: string
+          sort_order: number
+          tuition_rate_id: string
+          unit_amount_cents: number
+        }[]
+      }
       compute_invoice_lines: {
         Args: { _from: string; _student: string; _to: string }
         Returns: {
@@ -5500,6 +6031,31 @@ export type Database = {
           unit_amount_cents: number
         }[]
       }
+      compute_penalty_fee: {
+        Args: {
+          _escalated?: boolean
+          _minutes_over: number
+          _rule: Database["public"]["Tables"]["penalty_rules"]["Row"]
+        }
+        Returns: number
+      }
+      compute_penalty_lines: {
+        Args: { _from: string; _student: string; _to: string }
+        Returns: {
+          adjustment_rule_id: string
+          amount_cents: number
+          campus_id: string
+          credit_id: string
+          description: string
+          detail: Json
+          line_kind: string
+          quantity: number
+          scholarship_id: string
+          sort_order: number
+          tuition_rate_id: string
+          unit_amount_cents: number
+        }[]
+      }
       create_invoice: {
         Args: {
           _batch?: string
@@ -5524,6 +6080,7 @@ export type Database = {
           student_id: string
         }[]
       }
+      family_responsibility_cents: { Args: { _plan: string }; Returns: number }
       generate_invoice_batch: { Args: { _batch: string }; Returns: number }
       has_campus_access: { Args: { _campus: string }; Returns: boolean }
       has_role: {
@@ -5551,7 +6108,12 @@ export type Database = {
       is_student_account: { Args: { _student: string }; Returns: boolean }
       is_super_admin: { Args: never; Returns: boolean }
       is_thread_participant: { Args: { _thread: string }; Returns: boolean }
+      mark_penalties_invoiced: {
+        Args: { _from: string; _invoice: string; _student: string; _to: string }
+        Returns: number
+      }
       next_invoice_number: { Args: never; Returns: string }
+      payment_unallocated_cents: { Args: { _payment: string }; Returns: number }
       preview_invoice_batch: {
         Args: { _batch: string }
         Returns: {
@@ -5567,6 +6129,46 @@ export type Database = {
         Args: { _student: string; _year: number }
         Returns: undefined
       }
+      refresh_invoice_paid: { Args: { _invoice: string }; Returns: undefined }
+      refund_payment: {
+        Args: { _amount_cents: number; _payment: string; _reason: string }
+        Returns: string
+      }
+      resolve_penalty_rule: {
+        Args: { _campus: string; _on: string; _type: string }
+        Returns: {
+          allowed_time: string | null
+          amount_cents: number
+          campus_id: string | null
+          created_at: string
+          created_by: string | null
+          effective_end: string | null
+          effective_start: string
+          escalated_amount_cents: number | null
+          grace_period_minutes: number
+          id: string
+          increment_minutes: number | null
+          is_active: boolean
+          max_fee_cents: number | null
+          method: string
+          name: string
+          notes: string | null
+          notify_parent: boolean
+          priority: number
+          requires_approval: boolean
+          rule_type: string
+          threshold_count: number | null
+          threshold_window_days: number | null
+          updated_at: string
+          waiver_roles: Database["public"]["Enums"]["app_role"][]
+        }
+        SetofOptions: {
+          from: "*"
+          to: "penalty_rules"
+          isOneToOne: true
+          isSetofReturn: false
+        }
+      }
       resolve_ratio_rule: {
         Args: {
           _age_months?: number
@@ -5685,6 +6287,10 @@ export type Database = {
           isSetofReturn: false
         }
       }
+      reverse_payment: {
+        Args: { _payment: string; _reason: string }
+        Returns: string
+      }
       staff_compliance_gaps: {
         Args: { _user: string }
         Returns: {