diff --git a/FS25_TaxMod.zip b/FS25_TaxMod.zip
new file mode 100644
index 0000000..0c8dba8
Binary files /dev/null and b/FS25_TaxMod.zip differ
diff --git a/ROADMAP.md b/ROADMAP.md
new file mode 100644
index 0000000..ea3ece8
--- /dev/null
+++ b/ROADMAP.md
@@ -0,0 +1,35 @@
+# Roadmap: FS25_TaxMod
+
+> Ecosystem role: **Markets and Economy** · Part of the Realistic Farming connected suite
+> Status: FILLED from the ecosystem audit/baseline.
+> Forward-looking only. Shipped history lives in CHANGELOG.md and the releases.
+
+## How to use this file
+- Populate the milestones below from the audit baseline once it lands.
+- Each item should be small enough to map to a `TODO.md` entry.
+- Keep it honest: near-term is committed, mid-term is intended, long-term is aspirational.
+
+## Current baseline
+- Version at baseline: v1.1.3.0
+- Audit reference: ecosystem-dev-tracking Point 1-5 (FS25_TaxMod, 2026-06-30)
+- Baseline date: 2026-06-30
+
+## Near-term (next release cycle)
+- [x] MP tax bug (F15): DONE on development (commit 8ff9989d). Annual-tax `addMoney` gated on `getIsServer`; `applyDailyTax` only accumulates. Re-verify the release asset matches dev HEAD (asset modDesc was mislabeled 1.1.4.1).
+- [x] StateLedger `TaxMod_Data` bridge live (delegate-when-present); `modSettings/` save kept as the safety copy. Shipped v1.1.5.0. (Fully retiring the FS22 path is a later cleanup.)
+- [~] SettingsHub: 5 settings registered (selfPersisted), shipped v1.1.5.0; removing TaxSettingsUI.lua + UIHelper.lua (ESC injection) still open.
+
+## Mid-term (this season)
+- [ ] NetworkSync channel `TaxMod_Sync` for settings broadcast on admin change. Not built yet.
+- [x] MasterHUD `TaxMod_HUD` registered (delegate-when-present; TaxHUD keeps its own draw/update/mouse logic). Shipped v1.1.5.0.
+- [ ] Decide the fate of `returnPercentage` (vestigial in the annual model).
+
+## Long-term / aspirational
+- [ ] Richer tax model (brackets, deductions, or period options) without breaking MP correctness.
+
+## Cross-mod / ecosystem dependencies
+- [~] Bedrock migrations: 3/4 done (StateLedger + MasterHUD + SettingsHub, v1.1.5.0); NetworkSync remaining.
+- [ ] FarmTablet TaxApp (reads `g_currentMission.taxManager`).
+
+## Deferred / parked
+- Consuming a peer earnings API instead of reading `farm.money` directly: parked; direct read is correct and simpler for v1.
diff --git a/TODO.md b/TODO.md
new file mode 100644
index 0000000..50362da
--- /dev/null
+++ b/TODO.md
@@ -0,0 +1,32 @@
+# TODO: FS25_TaxMod
+
+> Ecosystem role: **Markets and Economy** · Part of the Realistic Farming connected suite
+> Status: FILLED from the ecosystem audit/baseline, kept current.
+> Convention: `[ ]` open · `[~]` in progress · `[x]` done · `[!]` blocked. Newest at the top of each section.
+
+## From the ecosystem audit (Arissani)
+- [x] StateLedger `TaxMod_Data` bridge live (delegate-when-present); own `modSettings/` save kept as the safety copy per the ecosystem pattern. Shipped v1.1.5.0. (Fully retiring the FS22 createXMLFile path is a later cleanup.)
+- [~] SettingsHub bridged (selfPersisted, v1.1.5.0); removing TaxSettingsUI.lua + UIHelper.lua (ESC injection) is still open (ESC retained as the standalone fallback meanwhile).
+- [ ] Decide: keep or remove `returnPercentage`.
+
+## Bugs
+- [x] MP tax bug (F15): RESOLVED on development (commit 8ff9989d, 2026-07-01). The annual-tax `addMoney` is gated on `getIsServer` (main.lua:226); `applyDailyTax` only accumulates and moves no money. Note: the mislabeled pre-release asset (modDesc 1.1.4.1) predates this, so re-verify against dev HEAD before release.
+
+## Features / enhancements
+- [~] Bedrock 3/4 built (delegate-when-present): StateLedger + MasterHUD + SettingsHub (v1.1.5.0). NetworkSync (`TaxMod_Sync`) still open.
+
+## Cross-mod integration
+- [x] SCS-011 irrigation-expense mirror: DONE + IN-GAME VERIFIED 2026-07-17 (`src/integrations/CropStressIrrigationExpense.lua`, commit 9b19058). Reads the SCS B3.2b facade (`getIrrigationSystems` / `getIrrigationCostsEnabled`) once per in-game day and records ONE aggregated "Irrigation Operations" debit via `recordExpense` (bookkeeping only, no money moved; SCS already charges it, so no double-charge). Attributes to `g_currentMission:getFarmId()` (the same local player farm SCS's FinanceIntegration debits; corrects the brief's pivot-ownership OI-1). Depreciation wired but neutral at 0 (OI-2: needs a capital value + useful life from the balance pass). Verified in-game: -€40 Irrigation Operations debit fired on the day change, no errors. Deployed, not released (batched). Soft follow-ups: confirm the amount equals SCS's actual daily deduction; check the `M0` month stamp in the ledger display.
+- [ ] TaxMod has NO self-test harness (verify gap). SCS-011 was verified via Lua 5.1 parse + the SCS-side getter test + in-game; stand up a `tools/test/` harness (mirror SoilFertilizer/SCS) before the next real logic build.
+- [x] StateLedger: `TaxMod_Data` bridge live (delegate-when-present). Shipped v1.1.5.0.
+- [ ] NetworkSync: `TaxMod_Sync` (settings broadcast). Not built yet.
+- [x] MasterHUD: `TaxMod_HUD` registered (delegate-when-present). Shipped v1.1.5.0.
+- [x] SettingsHub: 5 settings registered (selfPersisted). Shipped v1.1.5.0.
+
+## Docs / localization
+- [ ] Keep all 26 languages in step for any new setting.
+- [ ] Update README/version on each release.
+
+## Blocked / waiting on
+- [~] Bedrock migrations: 3/4 adopted (StateLedger/MasterHUD/SettingsHub, v1.1.5.0); NetworkSync remaining.
+- [!] MasterHUD GUI-visibility suppression policy (waits on: audit answer on whether MasterHUD or each panel guards GUI visibility).
diff --git a/VISION.md b/VISION.md
new file mode 100644
index 0000000..98063f7
--- /dev/null
+++ b/VISION.md
@@ -0,0 +1,41 @@
+# Vision: FS25_TaxMod
+
+> Ecosystem role: **Markets and Economy** · Part of the Realistic Farming connected suite
+> Status: FILLED from the ecosystem audit (Point 1-5, ecosystem-map, notes).
+> Last updated: 2026-07-08
+
+## 1. One-line purpose
+Recurring farm taxation: an annual (and optional daily) tax charged against the farm's finances, so profit carries an ongoing liability instead of just accumulating.
+
+## 2. Problem it solves
+FS25 has no taxation. Money accrues with zero ongoing cost, so once a farm is profitable there is nothing pulling against the balance. TaxMod adds a realistic recurring tax so wealth management and reinvestment actually matter.
+
+## 3. Design pillars
+- **Multiplayer-correct.** Tax deductions are server-authoritative. A period's tax is charged once for a farm, never once per connected client.
+- **Finance-based.** The tax scales off the farm's own money/finances, read from base-game farm data.
+- **Configurable rates.** Tax rate and cadence are settings; defaults stay reasonable.
+- **Standard persistence.** State lives in the standard save surface, not a non-standard subfolder.
+
+## 4. Role in the ecosystem
+- Public handle on `g_currentMission.taxManager` (getfenv alias `g_TaxManager`), set in `Mission00.load`.
+- Reads from (consumes): base-game farm finances via `g_farmManager:getFarmById(...).money` directly. It does NOT consume a peer economy API (it is not a confirmed consumer of getEarningsForFarm/getFertilizerSpendForFarm; that was architectural intent, not v1 behaviour).
+- Read by (consumers): FarmTablet TaxApp, via the mission handle read contract.
+- Core-API registration status (specced in Point 1-5, not yet wired):
+  - StateLedger (save/load): planned, module `TaxMod_Data`. Replaces the non-standard `modSettings/FS25_TaxMod.xml` and the FS22 createXMLFile/loadXMLFile usage.
+  - NetworkSync (MP state): planned, channel `TaxMod_Sync` (settings broadcast on admin change).
+  - MasterHUD (overlays): planned, `TaxMod_HUD` (TaxHUD already owns its draw/update/mouse logic).
+  - SettingsHub (admin settings): planned, 5 settings. Removes TaxSettingsUI.lua + UIHelper.lua (the ESC-menu injection).
+
+## 5. Explicit non-goals
+- Does not consume peer economy mods for its base. It reads farm money directly rather than another mod's earnings API.
+- Not a subsidy or income system (that is IncomeMod). TaxMod only takes money.
+- The HUD layout stays client-local.
+
+## 6. Success criteria
+- A period's tax is deducted exactly once per farm, correct in multiplayer.
+- Persistence moves to the standard save surface; no reliance on a `modSettings/` subfolder that may not exist.
+- Settings are admin-gated with no ESC-menu injection remaining after the SettingsHub move.
+
+## 7. Open questions for the audit
+- `returnPercentage` is still in the settings table and save surface but no longer drives the annual tax model. Keep for backward compat or remove?
+- MasterHUD: TaxHUD already guards on `g_gui` visibility itself. Should MasterHUD suppress draws when the GUI is visible, or does each panel keep handling that?
diff --git a/main.lua b/main.lua
index 1679be4..16571c5 100644
--- a/main.lua
+++ b/main.lua
@@ -13,11 +13,15 @@ local modName      = g_currentModName
 source(modDirectory .. "src/settings/UIHelper.lua")
 source(modDirectory .. "src/settings/SettingsUI.lua")
 source(modDirectory .. "src/ui/TaxHUD.lua")
+source(modDirectory .. "src/settings/SettingsHubBridge.lua")
+source(modDirectory .. "src/integrations/TaxStateLedgerBridge.lua")  -- bedrock: optional StateLedger state bridge
+source(modDirectory .. "src/integrations/TaxMasterHUDBridge.lua")    -- bedrock: optional MasterHUD draw bridge
+source(modDirectory .. "src/integrations/CropStressIrrigationExpense.lua")  -- SCS-011: mirror SCS irrigation operating cost as a deductible expense
 
 FS25TaxMod = {}
 FS25TaxMod.modDir  = modDirectory
 FS25TaxMod.modName = modName
-FS25TaxMod.version = "1.1.3.0"
+FS25TaxMod.version = "1.1.5.0"
 FS25TaxMod.Debug   = false
 
 local settings = {
@@ -45,6 +49,13 @@ local stats = {
 }
 FS25TaxMod.stats = stats
 
+-- Companion ledger: tracked money adjustments recorded by other mods via
+-- g_TaxManager.recordExpense(). Pure bookkeeping, surfaced in stats/HUD.
+-- It never moves money and never enters any tax computation.
+local LEDGER_MAX_ENTRIES = 10
+local ledger = { farms = {} }
+FS25TaxMod.ledger = ledger
+
 local lastDay = -1
 local lastMonth = -1
 local lastMinuteCheck = -1
@@ -100,6 +111,14 @@ local function saveSettings()
     setXMLInt(xmlFile, "settings.stats.lastTaxYear",        stats.lastTaxYear        or 0) -- New
     setXMLInt(xmlFile, "settings.lastDay",   tonumber(lastDay)   or 1)
     setXMLInt(xmlFile, "settings.lastMonth", tonumber(lastMonth) or 1)
+    local farmIndex = 0
+    for farmId, farmLedger in pairs(ledger.farms) do
+        local farmKey = string.format("settings.ledger.farm(%d)", farmIndex)
+        setXMLInt(xmlFile,   farmKey .. "#farmId",      farmId)
+        setXMLFloat(xmlFile, farmKey .. "#creditTotal", farmLedger.creditTotal or 0)
+        setXMLFloat(xmlFile, farmKey .. "#debitTotal",  farmLedger.debitTotal  or 0)
+        farmIndex = farmIndex + 1
+    end
     saveXMLFile(xmlFile)
     delete(xmlFile)
 end
@@ -132,10 +151,115 @@ local function loadSettings()
     stats.lastTaxYear        = Utils.getNoNil(getXMLInt(xmlFile, "settings.stats.lastTaxYear"),        0) -- New
     lastDay   = Utils.getNoNil(getXMLInt(xmlFile, "settings.lastDay"),   lastDay)
     lastMonth = Utils.getNoNil(getXMLInt(xmlFile, "settings.lastMonth"), lastMonth)
+    ledger.farms = {}
+    local farmIndex = 0
+    while true do
+        local farmKey = string.format("settings.ledger.farm(%d)", farmIndex)
+        local farmId = getXMLInt(xmlFile, farmKey .. "#farmId")
+        if farmId == nil then break end
+        ledger.farms[farmId] = {
+            creditTotal = Utils.getNoNil(getXMLFloat(xmlFile, farmKey .. "#creditTotal"), 0),
+            debitTotal  = Utils.getNoNil(getXMLFloat(xmlFile, farmKey .. "#debitTotal"),  0),
+            entries     = {},
+        }
+        farmIndex = farmIndex + 1
+    end
     delete(xmlFile)
     log("Settings loaded", 2)
 end
 
+-- =====================
+-- STATE SERIALIZATION (StateLedger bridge)
+-- =====================
+-- serializeState/applyState are the in-memory twins of the state portion of
+-- saveSettings/loadSettings (stats + the recordExpense ledger + the day/month
+-- cursors). They carry STATE only, never settings (SettingsHub owns those).
+-- The own XML stays the standalone safety copy; these feed the optional
+-- StateLedger module TaxMod_Data when bedrock is present. Plain-table in/out so
+-- StateLedger's generic serializer can round-trip them (number keys included).
+
+function FS25TaxMod.serializeState()
+    local farms = {}
+    for farmId, fl in pairs(ledger.farms) do
+        local entries = {}
+        if type(fl.entries) == "table" then
+            for i, e in ipairs(fl.entries) do
+                entries[i] = { amount = e.amount, label = e.label, day = e.day, month = e.month }
+            end
+        end
+        farms[farmId] = {
+            creditTotal = fl.creditTotal or 0,
+            debitTotal  = fl.debitTotal  or 0,
+            entries     = entries,
+        }
+    end
+    return {
+        version = 1,
+        stats = {
+            totalTaxesPaid         = stats.totalTaxesPaid         or 0,
+            totalTaxesReturned     = stats.totalTaxesReturned     or 0,
+            taxesThisMonth         = stats.taxesThisMonth         or 0,
+            daysTaxed              = stats.daysTaxed              or 0,
+            monthsReturned         = stats.monthsReturned         or 0,
+            taxesAccumulatedAnnual = stats.taxesAccumulatedAnnual or 0,
+            lastTaxYear            = stats.lastTaxYear            or 0,
+        },
+        lastDay   = lastDay,
+        lastMonth = lastMonth,
+        ledger    = { farms = farms },
+    }
+end
+
+function FS25TaxMod.applyState(data)
+    if type(data) ~= "table" then return false end
+
+    local st = data.stats
+    if type(st) == "table" then
+        stats.totalTaxesPaid         = tonumber(st.totalTaxesPaid)         or stats.totalTaxesPaid         or 0
+        stats.totalTaxesReturned     = tonumber(st.totalTaxesReturned)     or stats.totalTaxesReturned     or 0
+        stats.taxesThisMonth         = tonumber(st.taxesThisMonth)         or stats.taxesThisMonth         or 0
+        stats.daysTaxed              = tonumber(st.daysTaxed)              or stats.daysTaxed              or 0
+        stats.monthsReturned         = tonumber(st.monthsReturned)         or stats.monthsReturned         or 0
+        stats.taxesAccumulatedAnnual = tonumber(st.taxesAccumulatedAnnual) or stats.taxesAccumulatedAnnual or 0
+        stats.lastTaxYear            = tonumber(st.lastTaxYear)            or stats.lastTaxYear            or 0
+    end
+
+    if data.lastDay   ~= nil then lastDay   = tonumber(data.lastDay)   or lastDay   end
+    if data.lastMonth ~= nil then lastMonth = tonumber(data.lastMonth) or lastMonth end
+
+    -- Rebuild ledger.farms IN PLACE so the table identity FS25TaxMod.ledger (and
+    -- the HUD) already holds stays valid.
+    for k in pairs(ledger.farms) do ledger.farms[k] = nil end
+    local df = data.ledger and data.ledger.farms
+    if type(df) == "table" then
+        for farmId, fl in pairs(df) do
+            local fid = tonumber(farmId)
+            if fid ~= nil and type(fl) == "table" then
+                local entries = {}
+                if type(fl.entries) == "table" then
+                    for _, e in ipairs(fl.entries) do
+                        if type(e) == "table" then
+                            entries[#entries + 1] = {
+                                amount = tonumber(e.amount) or 0,
+                                label  = tostring(e.label or ""),
+                                day    = tonumber(e.day)   or 0,
+                                month  = tonumber(e.month) or 0,
+                            }
+                        end
+                    end
+                end
+                ledger.farms[fid] = {
+                    creditTotal = tonumber(fl.creditTotal) or 0,
+                    debitTotal  = tonumber(fl.debitTotal)  or 0,
+                    entries     = entries,
+                }
+            end
+        end
+    end
+
+    return true
+end
+
 local function applyDailyTax()
     if not settings.enabled or not g_currentMission then return end
     local farmId = g_currentMission:getFarmId()
@@ -191,7 +315,12 @@ local function applyAnnualTax()
         return
     end
 
-    g_currentMission:addMoney(-taxAmount, farmId, MoneyType.OTHER, true)
+    -- Only the server may move money; the engine syncs the new balance to clients.
+    -- Guard only the addMoney (not the whole function): TaxMod has no MP stat sync, so
+    -- every machine must still reset its own accumulation below, or client HUDs drift.
+    if g_currentMission:getIsServer() then
+        g_currentMission:addMoney(-taxAmount, farmId, MoneyType.OTHER, true)
+    end
     stats.totalTaxesPaid = stats.totalTaxesPaid + taxAmount -- Update total paid with annual tax
     stats.taxesAccumulatedAnnual = 0 -- Reset annual accumulation
     stats.lastTaxYear = currentYear -- Mark tax as paid for this year
@@ -252,6 +381,12 @@ local function createUpdateable()
                     if env.currentDay ~= lastDay then
                         lastDay = env.currentDay
                         applyDailyTax()
+                        -- SCS-011: mirror one day of SCS irrigation operating cost
+                        -- into the ledger (read-only, server-only, neutral when SCS
+                        -- is absent or costs are off).
+                        if CropStressIrrigationExpense then
+                            CropStressIrrigationExpense.accrueDaily(FS25TaxMod)
+                        end
                     end
 
                     -- Monthly checks for annual tax events
@@ -275,6 +410,69 @@ local function createUpdateable()
     }
 end
 
+-- =====================
+-- PUBLIC WRITE API (companion mods)
+-- =====================
+-- g_TaxManager.recordExpense(farmId, amount, label) -> boolean success
+-- Records a tracked money adjustment in the running per-farm credit/debit
+-- ledger. Positive amount = credit (money the farm received, e.g. a rebate),
+-- negative amount = debit (money the farm paid out, e.g. a wage).
+-- Bookkeeping only: it never moves money and never changes any tax
+-- computation (TaxMod taxes balance, not income). Callers are expected to be
+-- server-side money code; on a non-server peer the call is rejected.
+function FS25TaxMod.recordExpense(a, b, c, d)
+    -- Tolerate colon-style calls (g_TaxManager:recordExpense(...))
+    local farmId, amount, label = a, b, c
+    if a == FS25TaxMod then
+        farmId, amount, label = b, c, d
+    end
+
+    if g_currentMission == nil or not g_currentMission:getIsServer() then
+        Logging.warning("[%s] recordExpense: server-only API called on a non-server peer, ignoring", modName)
+        return false
+    end
+    if type(farmId) ~= "number" or farmId <= 0 then
+        Logging.warning("[%s] recordExpense: invalid farmId '%s' (positive number expected)", modName, tostring(farmId))
+        return false
+    end
+    if type(amount) ~= "number" or amount ~= amount or amount == math.huge or amount == -math.huge or amount == 0 then
+        Logging.warning("[%s] recordExpense: invalid amount '%s' (finite non-zero number expected)", modName, tostring(amount))
+        return false
+    end
+    if label ~= nil and type(label) ~= "string" then
+        Logging.warning("[%s] recordExpense: invalid label '%s' (string expected)", modName, tostring(label))
+        return false
+    end
+    label = label or "Companion expense"
+
+    local farmLedger = ledger.farms[farmId]
+    if farmLedger == nil then
+        farmLedger = { creditTotal = 0, debitTotal = 0, entries = {} }
+        ledger.farms[farmId] = farmLedger
+    end
+
+    if amount > 0 then
+        farmLedger.creditTotal = farmLedger.creditTotal + amount
+    else
+        farmLedger.debitTotal = farmLedger.debitTotal - amount
+    end
+
+    local env = g_currentMission.environment
+    table.insert(farmLedger.entries, 1, {
+        amount = amount,
+        label  = label,
+        day    = env and env.currentDay   or 0,
+        month  = env and env.currentMonth or 0,
+    })
+    while #farmLedger.entries > LEDGER_MAX_ENTRIES do
+        table.remove(farmLedger.entries)
+    end
+
+    log(string.format("recordExpense: farm %d %s%s (%s)", farmId,
+        amount > 0 and "+" or "", tostring(amount), label), 2)
+    return true
+end
+
 -- =====================
 -- CONSOLE COMMANDS
 -- =====================
@@ -356,6 +554,21 @@ function FS25TaxMod:consoleTaxStatistics()
     if stats.daysTaxed > 0 then
         print("Avg daily tax:   " .. formatMoney(math.floor(stats.totalTaxesPaid / stats.daysTaxed)))
     end
+    print("=== Companion Ledger (recordExpense) ===")
+    local farmCount = 0
+    for farmId, farmLedger in pairs(ledger.farms) do
+        farmCount = farmCount + 1
+        print(string.format("Farm %d: credits +%s | debits -%s",
+            farmId, formatMoney(farmLedger.creditTotal), formatMoney(farmLedger.debitTotal)))
+        for i = 1, math.min(#farmLedger.entries, 3) do
+            local entry = farmLedger.entries[i]
+            print(string.format("  M%d D%d %s%s (%s)", entry.month, entry.day,
+                entry.amount > 0 and "+" or "-", formatMoney(math.abs(entry.amount)), entry.label))
+        end
+    end
+    if farmCount == 0 then
+        print("No tracked entries yet")
+    end
 end
 
 function FS25TaxMod:consoleTaxSimulate()
@@ -433,16 +646,39 @@ local function onLoad(mission)
             if ok and id then
                 FS25TaxMod.toggleHUDEventId = id
                 g_inputBinding:setActionEventTextPriority(id, GS_PRIO_NORMAL)
-
                 log("HUD toggle registered", 2)
             else
                 log("HUD toggle registration failed", 1)
             end
+
+            -- HUD drag (enter/exit edit mode) — PLAYER context
+            local dragOk, dragId = g_inputBinding:registerActionEvent(
+                InputAction.TM_HUD_DRAG,
+                FS25TaxMod,
+                FS25TaxMod.onHUDDragInput,
+                false, true, false, true
+            )
+            if dragOk and dragId then
+                FS25TaxMod.hudDragEventId = dragId
+                g_inputBinding:setActionEventText(dragId, g_i18n:getText("input_TM_HUD_DRAG") or "Tax HUD Edit Mode")
+                log("HUD drag registered", 2)
+            end
+
             g_inputBinding:endActionEventsModification()
         end
     end
 end
 
+function FS25TaxMod:onHUDDragInput()
+    if not taxHUD then return end
+    if not taxHUD.visible then return end
+    if taxHUD.editMode then
+        taxHUD:exitEditMode()
+    else
+        taxHUD:enterEditMode()
+    end
+end
+
 function FS25TaxMod:onToggleHUDInput()
     if taxHUD then
         taxHUD:toggleVisibility()
@@ -458,6 +694,24 @@ local function onMissionLoaded(mission, node)
 
     loadSettings()
 
+    -- Register with SettingsHub (if installed) so FarmTablet's System Settings
+    -- app can list Tax Mod's settings. No-ops safely if SettingsHub is absent.
+    TaxSettingsHubBridge.register(FS25TaxMod)
+
+    -- Register with StateLedger (if installed) as the state load source of truth.
+    -- No-ops safely if StateLedger is absent (own XML stays primary). Runs after
+    -- loadSettings so, when the shared ledger is present, it overrides the state
+    -- portion imported from the own XML.
+    TaxStateLedgerBridge.register(FS25TaxMod)
+    if TaxStateLedgerBridge.hasState() then
+        TaxStateLedgerBridge.applyState(FS25TaxMod)
+    end
+
+    -- Register the tax HUD with MasterHUD (if installed) so it owns the single
+    -- suspend-aware draw loop. No-ops safely if MasterHUD is absent; the own
+    -- FSBaseMission.draw hook below stands down when this is active.
+    TaxMasterHUDBridge.register(FS25TaxMod)
+
     local env = g_currentMission.environment
     if env then
         lastDay         = tonumber(env.currentDay)   or 1
@@ -506,6 +760,10 @@ local function onUnload()
         g_inputBinding:removeActionEvent(FS25TaxMod.toggleHUDEventId)
         FS25TaxMod.toggleHUDEventId = nil
     end
+    if FS25TaxMod.hudDragEventId and g_inputBinding then
+        g_inputBinding:removeActionEvent(FS25TaxMod.hudDragEventId)
+        FS25TaxMod.hudDragEventId = nil
+    end
     if FS25TaxMod._inputHookOriginal and PlayerInputComponent then
         PlayerInputComponent.registerActionEvents = FS25TaxMod._inputHookOriginal
         FS25TaxMod._inputHookOriginal = nil
@@ -525,8 +783,17 @@ FSBaseMission.update = Utils.appendedFunction(FSBaseMission.update, function(mis
     if taxHUD then taxHUD:update(dt) end
 end)
 
+-- When MasterHUD is present it drives TaxMasterHUDBridge.drawStack in its own
+-- suspend-aware loop, so this fallback hook stands down to avoid a double draw.
+-- The draw body (the taxHUD + settings.showHUD guard) lives in drawStack so the
+-- two paths can never diverge.
 FSBaseMission.draw = Utils.appendedFunction(FSBaseMission.draw, function(mission)
-    if taxHUD and settings.showHUD then taxHUD:draw() end
+    if TaxMasterHUDBridge and TaxMasterHUDBridge.active then return end
+    if TaxMasterHUDBridge then
+        TaxMasterHUDBridge.drawStack()
+    elseif taxHUD and settings.showHUD then
+        taxHUD:draw()
+    end
 end)
 
 Mission00.saveToXMLFile = Utils.appendedFunction(Mission00.saveToXMLFile, function(mission, xmlFilename)
diff --git a/modDesc.xml b/modDesc.xml
index bb03055..c1aa079 100644
--- a/modDesc.xml
+++ b/modDesc.xml
@@ -4,7 +4,7 @@
          xsi:noNamespaceSchemaLocation="https://raw.githubusercontent.com/NMC-TBone/xml-schema/main/modDesc.xsd">
 
     <author>TisonK</author>
-    <version>1.1.4.0</version>
+    <version>1.1.5.0</version>
 
     <title>
         <en>Tax Mod</en>
@@ -127,6 +127,14 @@ Funkcje:
     </extraSourceFiles>
 
     <l10n>
+        <!-- SCS-011 irrigation expense ledger labels (companion expense lines) -->
+        <text name="tm_irrigation_operations">
+            <en><![CDATA[Irrigation Operations]]></en>
+        </text>
+        <text name="tm_irrigation_assets">
+            <en><![CDATA[Irrigation Assets]]></en>
+        </text>
+
         <!-- Section Header -->
         <text name="tm_section">
             <en><![CDATA[Tax Mod]]></en>
@@ -140,7 +148,7 @@ Funkcje:
             <cz>[EN] <![CDATA[Tax Mod]]></cz>
             <br>[EN] <![CDATA[Tax Mod]]></br>
             <ru>[EN] <![CDATA[Tax Mod]]></ru>
-            <da>[EN] <![CDATA[Tax Mod]]></da>
+            <da><![CDATA[Skattebaseret Mod]]></da>
         </text>
 
         <!-- Enable -->
@@ -156,7 +164,7 @@ Funkcje:
             <cz>[EN] <![CDATA[Enable Tax Mod]]></cz>
             <br>[EN] <![CDATA[Enable Tax Mod]]></br>
             <ru>[EN] <![CDATA[Enable Tax Mod]]></ru>
-            <da>[EN] <![CDATA[Enable Tax Mod]]></da>
+            <da><![CDATA[Aktiver Skattebaseret Mod]]></da>
         </text>
         <text name="tm_enabled_long">
             <en><![CDATA[Enable or disable daily tax deductions and monthly returns]]></en>
@@ -170,7 +178,7 @@ Funkcje:
             <cz>[EN] <![CDATA[Enable or disable daily tax deductions and monthly returns]]></cz>
             <br>[EN] <![CDATA[Enable or disable daily tax deductions and monthly returns]]></br>
             <ru>[EN] <![CDATA[Enable or disable daily tax deductions and monthly returns]]></ru>
-            <da>[EN] <![CDATA[Enable or disable daily tax deductions and monthly returns]]></da>
+            <da><![CDATA[Aktivér eller deaktiver daglige skattefradrag og månedlige skatterefusioner]]></da>
         </text>
 
         <!-- Tax Rate -->
@@ -186,7 +194,7 @@ Funkcje:
             <cz>[EN] <![CDATA[Tax Rate]]></cz>
             <br>[EN] <![CDATA[Tax Rate]]></br>
             <ru>[EN] <![CDATA[Tax Rate]]></ru>
-            <da>[EN] <![CDATA[Tax Rate]]></da>
+            <da><![CDATA[Skattesats]]></da>
         </text>
         <text name="tm_taxrate_long">
             <en><![CDATA[Daily tax rate applied to your farm balance: Low=1%, Medium=2%, High=3%]]></en>
@@ -200,25 +208,25 @@ Funkcje:
             <cz>[EN] <![CDATA[Daily tax rate applied to your farm balance: Low=1%, Medium=2%, High=3%]]></cz>
             <br>[EN] <![CDATA[Daily tax rate applied to your farm balance: Low=1%, Medium=2%, High=3%]]></br>
             <ru>[EN] <![CDATA[Daily tax rate applied to your farm balance: Low=1%, Medium=2%, High=3%]]></ru>
-            <da>[EN] <![CDATA[Daily tax rate applied to your farm balance: Low=1%, Medium=2%, High=3%]]></da>
+            <da><![CDATA[Daglig skattesats anvendt på din gårds saldo: Lav=1 %, Mellem=2 %, Høj=3 %]]></da>
         </text>
         <text name="tm_taxrate_1"><en><![CDATA[Low (1%)]]></en><de><![CDATA[Niedrig (1%)]]></de><fr><![CDATA[Faible (1%)]]></fr><es><![CDATA[Baja (1%)]]></es><it><![CDATA[Bassa (1%)]]></it><pl><![CDATA[Niska (1%)]]></pl><uk><![CDATA[Низька (1%)]]></uk>
             <cz>[EN] <![CDATA[Low (1%)]]></cz>
             <br>[EN] <![CDATA[Low (1%)]]></br>
             <ru>[EN] <![CDATA[Low (1%)]]></ru>
-            <da>[EN] <![CDATA[Low (1%)]]></da>
+            <da><![CDATA[Lav (1 %)]]></da>
         </text>
         <text name="tm_taxrate_2"><en><![CDATA[Medium (2%)]]></en><de><![CDATA[Mittel (2%)]]></de><fr><![CDATA[Moyen (2%)]]></fr><es><![CDATA[Media (2%)]]></es><it><![CDATA[Media (2%)]]></it><pl><![CDATA[Średnia (2%)]]></pl><uk><![CDATA[Середня (2%)]]></uk>
             <cz>[EN] <![CDATA[Medium (2%)]]></cz>
             <br>[EN] <![CDATA[Medium (2%)]]></br>
             <ru>[EN] <![CDATA[Medium (2%)]]></ru>
-            <da>[EN] <![CDATA[Medium (2%)]]></da>
+            <da><![CDATA[Mellem (2 %)]]></da>
         </text>
         <text name="tm_taxrate_3"><en><![CDATA[High (3%)]]></en><de><![CDATA[Hoch (3%)]]></de><fr><![CDATA[Élevé (3%)]]></fr><es><![CDATA[Alta (3%)]]></es><it><![CDATA[Alta (3%)]]></it><pl><![CDATA[Wysoka (3%)]]></pl><uk><![CDATA[Висока (3%)]]></uk>
             <cz>[EN] <![CDATA[High (3%)]]></cz>
             <br>[EN] <![CDATA[High (3%)]]></br>
             <ru>[EN] <![CDATA[High (3%)]]></ru>
-            <da>[EN] <![CDATA[High (3%)]]></da>
+            <da><![CDATA[Høj (3 %)]]></da>
         </text>
 
         <!-- Annual Tax Rate -->
@@ -234,7 +242,7 @@ Funkcje:
             <cz>[EN] <![CDATA[Annual Tax Rate]]></cz>
             <br>[EN] <![CDATA[Annual Tax Rate]]></br>
             <ru>[EN] <![CDATA[Annual Tax Rate]]></ru>
-            <da>[EN] <![CDATA[Annual Tax Rate]]></da>
+            <da><![CDATA[Årlig skattesats]]></da>
         </text>
         <text name="tm_annualrate_long">
             <en><![CDATA[Percentage of accumulated taxes paid each March: Low=2%, Medium=5%, High=10%]]></en>
@@ -248,25 +256,25 @@ Funkcje:
             <cz>[EN] <![CDATA[Percentage of accumulated taxes paid each March: Low=2%, Medium=5%, High=10%]]></cz>
             <br>[EN] <![CDATA[Percentage of accumulated taxes paid each March: Low=2%, Medium=5%, High=10%]]></br>
             <ru>[EN] <![CDATA[Percentage of accumulated taxes paid each March: Low=2%, Medium=5%, High=10%]]></ru>
-            <da>[EN] <![CDATA[Percentage of accumulated taxes paid each March: Low=2%, Medium=5%, High=10%]]></da>
+            <da><![CDATA[Procentdel af de akkumulerede skatter, der udbetales hver marts: Lav=2 %, Mellem=5 %, Høj=10 %]]></da>
         </text>
         <text name="tm_annualrate_1"><en><![CDATA[Low (2%)]]></en><de><![CDATA[Niedrig (2%)]]></de><fr><![CDATA[Faible (2%)]]></fr><es><![CDATA[Baja (2%)]]></es><it><![CDATA[Bassa (2%)]]></it><pl><![CDATA[Niski (2%)]]></pl><uk><![CDATA[Низький (2%)]]></uk>
             <cz>[EN] <![CDATA[Low (2%)]]></cz>
             <br>[EN] <![CDATA[Low (2%)]]></br>
             <ru>[EN] <![CDATA[Low (2%)]]></ru>
-            <da>[EN] <![CDATA[Low (2%)]]></da>
+            <da><![CDATA[Lav (2 %)]]></da>
         </text>
         <text name="tm_annualrate_2"><en><![CDATA[Medium (5%)]]></en><de><![CDATA[Mittel (5%)]]></de><fr><![CDATA[Moyen (5%)]]></fr><es><![CDATA[Media (5%)]]></es><it><![CDATA[Media (5%)]]></it><pl><![CDATA[Średni (5%)]]></pl><uk><![CDATA[Середній (5%)]]></uk>
             <cz>[EN] <![CDATA[Medium (5%)]]></cz>
             <br>[EN] <![CDATA[Medium (5%)]]></br>
             <ru>[EN] <![CDATA[Medium (5%)]]></ru>
-            <da>[EN] <![CDATA[Medium (5%)]]></da>
+            <da><![CDATA[Mellem (5 %)]]></da>
         </text>
         <text name="tm_annualrate_3"><en><![CDATA[High (10%)]]></en><de><![CDATA[Hoch (10%)]]></de><fr><![CDATA[Élevé (10%)]]></fr><es><![CDATA[Alta (10%)]]></es><it><![CDATA[Alta (10%)]]></it><pl><![CDATA[Wysoki (10%)]]></pl><uk><![CDATA[Високий (10%)]]></uk>
             <cz>[EN] <![CDATA[High (10%)]]></cz>
             <br>[EN] <![CDATA[High (10%)]]></br>
             <ru>[EN] <![CDATA[High (10%)]]></ru>
-            <da>[EN] <![CDATA[High (10%)]]></da>
+            <da><![CDATA[Høj (10 %)]]></da>
         </text>
 
         <!-- Return Percentage (kept for save compatibility) -->
@@ -282,7 +290,7 @@ Funkcje:
             <cz>[EN] <![CDATA[Tax Return %]]></cz>
             <br>[EN] <![CDATA[Tax Return %]]></br>
             <ru>[EN] <![CDATA[Tax Return %]]></ru>
-            <da>[EN] <![CDATA[Tax Return %]]></da>
+            <da><![CDATA[Skatterefusion %]]></da>
         </text>
         <text name="tm_return_long">
             <en><![CDATA[Percentage of monthly taxes returned at the start of each new month: Low=10%, Medium=20%, High=30%]]></en>
@@ -296,25 +304,25 @@ Funkcje:
             <cz>[EN] <![CDATA[Percentage of monthly taxes returned at the start of each new month: Low=10%, Medium=20%, High=30%]]></cz>
             <br>[EN] <![CDATA[Percentage of monthly taxes returned at the start of each new month: Low=10%, Medium=20%, High=30%]]></br>
             <ru>[EN] <![CDATA[Percentage of monthly taxes returned at the start of each new month: Low=10%, Medium=20%, High=30%]]></ru>
-            <da>[EN] <![CDATA[Percentage of monthly taxes returned at the start of each new month: Low=10%, Medium=20%, High=30%]]></da>
+            <da><![CDATA[Procentdel af de månedlige skatter, der tilbagebetales ved starten af hver ny måned: Lav=10 %, Mellem=20 %, Høj=30 %]]></da>
         </text>
         <text name="tm_return_1"><en><![CDATA[Low (10%)]]></en><de><![CDATA[Niedrig (10%)]]></de><fr><![CDATA[Faible (10%)]]></fr><es><![CDATA[Baja (10%)]]></es><it><![CDATA[Bassa (10%)]]></it><pl><![CDATA[Niski (10%)]]></pl><uk><![CDATA[Низький (10%)]]></uk>
             <cz>[EN] <![CDATA[Low (10%)]]></cz>
             <br>[EN] <![CDATA[Low (10%)]]></br>
             <ru>[EN] <![CDATA[Low (10%)]]></ru>
-            <da>[EN] <![CDATA[Low (10%)]]></da>
+            <da><![CDATA[Lav (10 %)]]></da>
         </text>
         <text name="tm_return_2"><en><![CDATA[Medium (20%)]]></en><de><![CDATA[Mittel (20%)]]></de><fr><![CDATA[Moyen (20%)]]></fr><es><![CDATA[Media (20%)]]></es><it><![CDATA[Media (20%)]]></it><pl><![CDATA[Średni (20%)]]></pl><uk><![CDATA[Середній (20%)]]></uk>
             <cz>[EN] <![CDATA[Medium (20%)]]></cz>
             <br>[EN] <![CDATA[Medium (20%)]]></br>
             <ru>[EN] <![CDATA[Medium (20%)]]></ru>
-            <da>[EN] <![CDATA[Medium (20%)]]></da>
+            <da><![CDATA[Mellem (20 %)]]></da>
         </text>
         <text name="tm_return_3"><en><![CDATA[High (30%)]]></en><de><![CDATA[Hoch (30%)]]></de><fr><![CDATA[Élevé (30%)]]></fr><es><![CDATA[Alta (30%)]]></es><it><![CDATA[Alta (30%)]]></it><pl><![CDATA[Wysoki (30%)]]></pl><uk><![CDATA[Високий (30%)]]></uk>
             <cz>[EN] <![CDATA[High (30%)]]></cz>
             <br>[EN] <![CDATA[High (30%)]]></br>
             <ru>[EN] <![CDATA[High (30%)]]></ru>
-            <da>[EN] <![CDATA[High (30%)]]></da>
+            <da><![CDATA[Høj (30 %)]]></da>
         </text>
 
         <!-- Notifications -->
@@ -330,7 +338,7 @@ Funkcje:
             <cz>[EN] <![CDATA[Notifications]]></cz>
             <br>[EN] <![CDATA[Notifications]]></br>
             <ru>[EN] <![CDATA[Notifications]]></ru>
-            <da>[EN] <![CDATA[Notifications]]></da>
+            <da><![CDATA[Notifikationer]]></da>
         </text>
         <text name="tm_notifications_long">
             <en><![CDATA[Show in-game notifications when taxes are deducted or returns are paid]]></en>
@@ -344,7 +352,7 @@ Funkcje:
             <cz>[EN] <![CDATA[Show in-game notifications when taxes are deducted or returns are paid]]></cz>
             <br>[EN] <![CDATA[Show in-game notifications when taxes are deducted or returns are paid]]></br>
             <ru>[EN] <![CDATA[Show in-game notifications when taxes are deducted or returns are paid]]></ru>
-            <da>[EN] <![CDATA[Show in-game notifications when taxes are deducted or returns are paid]]></da>
+            <da><![CDATA[Vis notifikationer i spillet, når skatter fratrækkes eller refusioner udbetales]]></da>
         </text>
 
         <!-- Show HUD -->
@@ -360,7 +368,7 @@ Funkcje:
             <cz>[EN] <![CDATA[Show Tax HUD]]></cz>
             <br>[EN] <![CDATA[Show Tax HUD]]></br>
             <ru>[EN] <![CDATA[Show Tax HUD]]></ru>
-            <da>[EN] <![CDATA[Show Tax HUD]]></da>
+            <da><![CDATA[Vis skatte-HUD]]></da>
         </text>
         <text name="tm_show_hud_long">
             <en><![CDATA[Show the Tax HUD overlay with current rate, statistics and recent activity (toggle with T key)]]></en>
@@ -374,7 +382,7 @@ Funkcje:
             <cz>[EN] <![CDATA[Show the Tax HUD overlay with current rate, statistics and recent activity (toggle with T key)]]></cz>
             <br>[EN] <![CDATA[Show the Tax HUD overlay with current rate, statistics and recent activity (toggle with T key)]]></br>
             <ru>[EN] <![CDATA[Show the Tax HUD overlay with current rate, statistics and recent activity (toggle with T key)]]></ru>
-            <da>[EN] <![CDATA[Show the Tax HUD overlay with current rate, statistics and recent activity (toggle with T key)]]></da>
+            <da><![CDATA[Vis skatte-HUD-overlayet med aktuel sats, statistik og seneste aktivitet (slå til/fra med T-tasten)]]></da>
         </text>
 
         <!-- HUD toggle key binding display name -->
@@ -386,22 +394,36 @@ Funkcje:
             <it><![CDATA[Attiva/disattiva HUD fiscale]]></it>
             <pl><![CDATA[Przełącz HUD podatkowy]]></pl>
             <uk><![CDATA[Перемкнути HUD податків]]></uk>
-        
             <cz>[EN] <![CDATA[Toggle Tax HUD]]></cz>
             <br>[EN] <![CDATA[Toggle Tax HUD]]></br>
             <ru>[EN] <![CDATA[Toggle Tax HUD]]></ru>
-            <da>[EN] <![CDATA[Toggle Tax HUD]]></da>
+            <da><![CDATA[Slå skatte-HUD til/fra]]></da>
+        </text>
+        <text name="input_TM_HUD_DRAG">
+            <en>Tax HUD Edit Mode</en>
+            <de>Steuer-HUD-Bearbeitungsmodus</de>
+            <fr>[EN] Tax HUD Edit Mode</fr>
+            <es>[EN] Tax HUD Edit Mode</es>
+            <it>[EN] Tax HUD Edit Mode</it>
+            <pl>[EN] Tax HUD Edit Mode</pl>
+            <uk>[EN] Tax HUD Edit Mode</uk>
+            <cz>[EN] Tax HUD Edit Mode</cz>
+            <br>[EN] Tax HUD Edit Mode</br>
+            <ru>[EN] Tax HUD Edit Mode</ru>
+            <da>Skat HUD-redigeringstilstand</da>
         </text>
     </l10n>
 
     <actions>
         <action name="TM_TOGGLE_HUD" category="ONFOOT" />
+        <action name="TM_HUD_DRAG"   category="ONFOOT" />
     </actions>
 
     <inputBinding>
         <actionBinding action="TM_TOGGLE_HUD">
             <binding device="KB_MOUSE_DEFAULT" input="KEY_T" />
         </actionBinding>
+        <actionBinding action="TM_HUD_DRAG" />
     </inputBinding>
 
 </modDesc>
\ No newline at end of file
diff --git a/src/integrations/CropStressIrrigationExpense.lua b/src/integrations/CropStressIrrigationExpense.lua
new file mode 100644
index 0000000..c894fa0
--- /dev/null
+++ b/src/integrations/CropStressIrrigationExpense.lua
@@ -0,0 +1,119 @@
+-- =====================================================================
+-- CropStressIrrigationExpense.lua  (SCS-011)
+-- Mirror SeasonalCropStress irrigation operating cost into the TaxMod
+-- ledger as a deductible expense line, once per in-game day.
+--
+-- READ-ONLY over the SCS B3.2b companion facade (getIrrigationSystems /
+-- getIrrigationCostsEnabled on g_currentMission.cropStressManager). It moves
+-- NO money: recordExpense is bookkeeping only. SCS itself already deducts the
+-- operating cost each active hour (FinanceIntegration), so this line reflects a
+-- charge the player is already paying -- it never adds a second one, so there
+-- is no double-charge (the CC-1 decision).
+--
+-- Run-time is DERIVED from each system's schedule (there is no runtime counter
+-- in the snapshot), matching the same day-of-week + window logic SCS uses to
+-- flip a system active (IrrigationManager:hourlyScheduleCheck). This is an
+-- accepted approximation for a bookkeeping mirror: it does not see a system
+-- that lost its water source or was placed mid-day. Gated on SCS's own
+-- costsEnabled so it never reports a cost the player has switched off.
+-- =====================================================================
+
+CropStressIrrigationExpense = {}
+
+-- Optional daily depreciation per scheduled system. 0 = off. A real schedule
+-- needs a per-system capital value + useful life that the facade snapshot does
+-- not carry, and the number is a balance-pass call, so it ships neutral (0)
+-- and wired, not fabricated (brief OI-2 / OI-3).
+CropStressIrrigationExpense.DAILY_DEPRECIATION_PER_SYSTEM = 0
+
+-- Day-of-week index 1..7, matching SCS IrrigationManager:hourlyScheduleCheck
+-- (env.currentDayInPeriod, fallback (currentDay % 7) + 1, clamped) so our
+-- accrual lands on the same days SCS actually runs a system.
+local function dayOfWeekIndex(env)
+    if env == nil then return 1 end
+    local dow = env.currentDayInPeriod
+    if dow == nil then
+        local currentDay = env.currentDay or env.currentMonotonicDay or 0
+        dow = (currentDay % 7) + 1
+    end
+    if dow < 1 or dow > 7 then dow = 1 end
+    return dow
+end
+
+-- Scheduled active hours for one system today, from its schedule window, using
+-- the same wrap-around math as SCS. 0 when the system does not run today.
+local function scheduledHoursToday(system, dow)
+    local sched = system.schedule
+    if sched == nil or sched.activeDays == nil then return 0 end
+    if sched.activeDays[dow] ~= true then return 0 end
+    local s = sched.startHour
+    local e = sched.endHour
+    if type(s) ~= "number" or type(e) ~= "number" then return 0 end
+    if s <= e then return e - s end
+    return (24 - s) + e   -- wrap-around (e.g. 23 -> 2)
+end
+
+local function resolveLabel(key, fallback)
+    if g_i18n ~= nil then
+        local t = g_i18n:getText(key)
+        if t ~= nil and t ~= key then return t end
+    end
+    return fallback
+end
+
+-- Accrue one in-game day of irrigation operating cost into the TaxMod ledger.
+-- Called once per day-change from main.lua's daily tick. Server-only, neutral
+-- (records nothing) whenever SCS is absent, costs are off, or no system runs.
+function CropStressIrrigationExpense.accrueDaily(taxManager)
+    if taxManager == nil then return end
+    if g_currentMission == nil or not g_currentMission:getIsServer() then return end
+
+    -- SCS facade handle (mission-bound; never the bare global as the primary).
+    local csm = g_currentMission.cropStressManager or g_cropStressManager
+    if csm == nil or type(csm.getIrrigationSystems) ~= "function" then return end
+
+    -- Respect SCS's own irrigation-costs toggle: if the player disabled it, SCS
+    -- charges nothing, so we must mirror nothing. Getter is optional (older SCS
+    -- builds lack it); default to enabled when it is not present.
+    if type(csm.getIrrigationCostsEnabled) == "function" then
+        local ok, enabled = pcall(csm.getIrrigationCostsEnabled, csm)
+        if ok and enabled == false then return end
+    end
+
+    local ok, systems = pcall(csm.getIrrigationSystems, csm)
+    if not ok or type(systems) ~= "table" then return end
+
+    local env = g_currentMission.environment
+    local dow = dayOfWeekIndex(env)
+
+    local operating = 0
+    local scheduledSystems = 0
+    for _, sys in ipairs(systems) do
+        local hours = scheduledHoursToday(sys, dow)
+        if hours > 0 then
+            scheduledSystems = scheduledSystems + 1
+            if type(sys.operationalCostPerHour) == "number" then
+                operating = operating + sys.operationalCostPerHour * hours
+            end
+        end
+    end
+
+    if operating <= 0 and scheduledSystems == 0 then return end
+
+    -- Attribute to the local player's farm -- the same farm SCS's
+    -- FinanceIntegration charges (it deducts from the local player's owner farm),
+    -- via TaxMod's own idiom so the mirror never disagrees with what SCS moved.
+    local farmId = g_currentMission.getFarmId and g_currentMission:getFarmId()
+    if type(farmId) ~= "number" or farmId <= 0 then return end
+
+    if operating > 0 then
+        taxManager.recordExpense(farmId, -operating,
+            resolveLabel("tm_irrigation_operations", "Irrigation Operations"))
+    end
+
+    local depr = CropStressIrrigationExpense.DAILY_DEPRECIATION_PER_SYSTEM
+    if depr > 0 and scheduledSystems > 0 then
+        taxManager.recordExpense(farmId, -(depr * scheduledSystems),
+            resolveLabel("tm_irrigation_assets", "Irrigation Assets"))
+    end
+end
diff --git a/src/integrations/TaxMasterHUDBridge.lua b/src/integrations/TaxMasterHUDBridge.lua
new file mode 100644
index 0000000..641f3d1
--- /dev/null
+++ b/src/integrations/TaxMasterHUDBridge.lua
@@ -0,0 +1,63 @@
+-- =========================================================
+-- FS25 Tax Mod - TaxMasterHUDBridge
+-- =========================================================
+-- Author: TisonK
+-- =========================================================
+-- Optional bridge to FS25_MasterHUD (bedrock). Strictly delegate-when-present,
+-- mirroring SoilFertilizer / IncomeMod / WorkerCosts:
+--   * MasterHUD installed -> the tax HUD overlay registers as a subscribe()
+--     element so MasterHUD owns the single suspend-aware draw loop and cross-mod
+--     ordering; the mod's own FSBaseMission.draw hook stands down when active.
+--   * MasterHUD absent -> the mod's own draw hook runs the exact same body.
+--
+-- drawStack() is the single source of the draw body, shared with the fallback
+-- hook so the two paths can never diverge. It reproduces the own hook's guard
+-- (settings.showHUD) and then calls TaxHUD:draw(), which itself self-guards on
+-- getIsClient / GUI-visible / large-map / visible, so calling it every frame is
+-- a no-op when hidden.
+--
+-- Mouse routing stays on the mod's own addModEventListener handler (MasterHUD
+-- owns draw ordering + suspend, not input). The settings UI injected into the
+-- General Settings page is g_gui-managed and stays there.
+--
+-- The cross-mod handle is g_currentMission.masterHUD (published in Mission00.load).
+-- =========================================================
+
+TaxMasterHUDBridge = {}
+
+TaxMasterHUDBridge.HUD_ID = "TaxMod_HUD"
+TaxMasterHUDBridge.active = false   -- MasterHUD present and we registered
+
+-- The tax HUD draw body. Resolves the manager from the canonical global so it
+-- can be driven either by MasterHUD's loop or by the mod's own draw hook.
+-- Reproduces the own hook's `taxHUD and settings.showHUD` guard.
+function TaxMasterHUDBridge.drawStack()
+    local tm = g_TaxManager
+    if tm ~= nil and tm.taxHUD ~= nil and tm.settings ~= nil and tm.settings.showHUD then
+        tm.taxHUD:draw()
+    end
+end
+
+-- Register with MasterHUD if present. Called from onMissionLoaded.
+function TaxMasterHUDBridge.register(tm)
+    TaxMasterHUDBridge.active = false
+
+    local hud = (g_currentMission ~= nil and g_currentMission.masterHUD) or g_masterHUD
+    if hud == nil then
+        Logging.info("Tax Mod: MasterHUD not detected; tax HUD uses its own draw hook")
+        return
+    end
+
+    local ok, err = pcall(function()
+        hud:subscribe(TaxMasterHUDBridge.HUD_ID, {
+            draw = TaxMasterHUDBridge.drawStack,
+        })
+    end)
+
+    if ok then
+        TaxMasterHUDBridge.active = true
+        Logging.info("Tax Mod: Registered tax HUD with MasterHUD (single draw loop + menu-suspend)")
+    else
+        Logging.warning("Tax Mod: MasterHUD registration failed: %s (using own draw hook)", tostring(err))
+    end
+end
diff --git a/src/integrations/TaxStateLedgerBridge.lua b/src/integrations/TaxStateLedgerBridge.lua
new file mode 100644
index 0000000..a6473c1
--- /dev/null
+++ b/src/integrations/TaxStateLedgerBridge.lua
@@ -0,0 +1,98 @@
+-- =========================================================
+-- FS25 Tax Mod - TaxStateLedgerBridge
+-- =========================================================
+-- Author: TisonK
+-- =========================================================
+-- Optional bridge to FS25_StateLedger (bedrock). Strictly
+-- delegate-when-present, mirroring SoilFertilizer / IncomeMod / WorkerCosts:
+--
+--   * StateLedger installed -> the shared master save file is the LOAD source
+--     of truth for the Tax Mod STATE: the running stats (totals, days taxed,
+--     the annual accumulator + last-paid year) and the companion recordExpense
+--     ledger (per-farm credit/debit + recent entries). The mod's own
+--     modSettings/FS25_TaxMod.xml is still written every save as the standalone
+--     safety copy, so removing the ledger later never loses data.
+--   * StateLedger absent -> nothing changes; the own XML is primary.
+--
+-- ONE module: TaxMod_Data. Settings are NOT a StateLedger module here.
+-- Settings persistence + MP sync are SettingsHub's domain, and the mod keeps
+-- its own XML as the settings fallback; a third settings copy in a per-mod
+-- ledger module would just be a conflicting duplicate. This matches
+-- SoilFertilizer / IncomeMod, whose ledger modules carry state, not settings.
+--
+-- Timing note (same as IncomeMod / WorkerCosts): the mod loads its state in
+-- onMissionLoaded (= loadMission00Finished), the same phase StateLedger parses
+-- its file in. So register() force-triggers the idempotent parseFile after
+-- registering, guaranteeing deserialize has delivered before the caller reads
+-- hasState(), independent of mod load order.
+--
+-- The cross-mod handle is g_currentMission.stateLedger (published in Mission00.load).
+-- =========================================================
+
+TaxStateLedgerBridge = {}
+
+-- LOCKED persistence key. Never renamed after first persist.
+TaxStateLedgerBridge.MODULE_ID = "TaxMod_Data"
+
+TaxStateLedgerBridge.active       = false   -- ledger present and we registered
+TaxStateLedgerBridge.delivered    = false   -- deserialize has fired (once)
+TaxStateLedgerBridge.pendingState = nil     -- cached table (nil = new save / no block)
+
+-- True when the ledger is the state load source of truth this session.
+function TaxStateLedgerBridge.hasState()
+    return TaxStateLedgerBridge.active
+        and TaxStateLedgerBridge.delivered
+        and TaxStateLedgerBridge.pendingState ~= nil
+end
+
+-- Apply the cached state block into the tax mod. Returns true on apply.
+function TaxStateLedgerBridge.applyState(tm)
+    if tm == nil or type(tm.applyState) ~= "function" then return false end
+    if type(TaxStateLedgerBridge.pendingState) ~= "table" then return false end
+    return tm.applyState(TaxStateLedgerBridge.pendingState)
+end
+
+-- Register with StateLedger if present. Called from onMissionLoaded, after
+-- loadSettings() has imported the own-XML safety copy.
+function TaxStateLedgerBridge.register(tm)
+    TaxStateLedgerBridge.active       = false
+    TaxStateLedgerBridge.delivered    = false
+    TaxStateLedgerBridge.pendingState = nil
+
+    local ledger = (g_currentMission ~= nil and g_currentMission.stateLedger) or g_stateLedger
+    if ledger == nil then
+        Logging.info("Tax Mod: StateLedger not detected; state uses its own FS25_TaxMod.xml")
+        return
+    end
+    if tm == nil or type(tm.serializeState) ~= "function" then return end
+
+    local ok, err = pcall(function()
+        ledger:registerModule(TaxStateLedgerBridge.MODULE_ID, {
+            serialize = function()
+                return tm.serializeState()
+            end,
+            deserialize = function(data)
+                TaxStateLedgerBridge.delivered    = true
+                TaxStateLedgerBridge.pendingState = data   -- nil on a brand-new save
+            end,
+        })
+    end)
+
+    if not ok then
+        Logging.warning("Tax Mod: StateLedger registration failed: %s (falling back to own XML)", tostring(err))
+        return
+    end
+
+    TaxStateLedgerBridge.active = true
+
+    -- Force the (idempotent) parse now so deserialize has delivered before the
+    -- caller checks hasState() a few lines later, independent of which mod's
+    -- loadMission00Finished handler ran first. A no-op if StateLedger already
+    -- parsed (it loaded first).
+    if ledger.parseFile ~= nil then
+        pcall(function() ledger:parseFile() end)
+    end
+
+    Logging.info("Tax Mod: Registered with StateLedger as '%s' (FS25_TaxMod.xml kept as safety copy)",
+        TaxStateLedgerBridge.MODULE_ID)
+end
diff --git a/src/settings/SettingsHubBridge.lua b/src/settings/SettingsHubBridge.lua
new file mode 100644
index 0000000..326d195
--- /dev/null
+++ b/src/settings/SettingsHubBridge.lua
@@ -0,0 +1,64 @@
+-- =========================================================
+-- FS25 Tax Mod - SettingsHub bridge
+-- =========================================================
+-- Author: TisonK
+-- =========================================================
+-- Optional bridge to FS25_SettingsHub. Safe if SettingsHub is not
+-- installed (register() just no-ops). Purpose: let the FarmTablet
+-- System Settings app list Tax Mod's settings.
+--
+-- FS25TaxMod.settings (a plain table, persisted by the mod's own save
+-- path) stays the source of truth. This mirrors current values into
+-- SettingsHub for display; the tablet app is read-only for now, so
+-- applyChange only sets the value back on that table.
+-- =========================================================
+
+TaxSettingsHubBridge = {}
+
+local function applyChange(key, value)
+    local tm = g_TaxManager
+    if tm == nil or tm.settings == nil then return end
+    tm.settings[key] = value
+    if type(tm.saveSettings) == "function" then tm.saveSettings() end
+end
+
+function TaxSettingsHubBridge.register(tm)
+    -- The reliable cross-mod handle is g_currentMission.settingsHub (the same one
+    -- FarmTablet reads). The bare g_settingsHub global is only visible inside
+    -- SettingsHub's own mod environment, so it reads back nil from here.
+    local hub = (g_currentMission ~= nil and g_currentMission.settingsHub) or g_settingsHub
+    if hub == nil then return end
+    if tm == nil or tm.settings == nil then return end
+    local s = tm.settings
+
+    local defs = {
+        { id = "enabled",          type = "bool",  default = s.enabled,          adminOnly = true,  label = "Tax Mod Enabled" },
+        { id = "taxRate",          type = "enum",  default = s.taxRate,          adminOnly = true,  values = { "low", "medium", "high" }, label = "Tax Rate (low/medium/high)" },
+        { id = "annualTaxRate",    type = "float", default = s.annualTaxRate,    adminOnly = true,  min = 0, max = 1, label = "Annual Tax Rate" },
+        { id = "returnPercentage", type = "int",   default = s.returnPercentage, adminOnly = true,  min = 0, max = 100, label = "Return Percentage" },
+        { id = "minimumBalance",   type = "int",   default = s.minimumBalance,   adminOnly = true,  min = 0, max = 100000000, label = "Minimum Balance" },
+        { id = "showNotification", type = "bool",  default = s.showNotification, adminOnly = false, label = "Show Notifications" },
+        { id = "showStatistics",   type = "bool",  default = s.showStatistics,   adminOnly = false, label = "Show Statistics" },
+        { id = "showHUD",          type = "bool",  default = s.showHUD,          adminOnly = false, label = "Show HUD" },
+        { id = "debugLevel",       type = "int",   default = s.debugLevel,       adminOnly = false, min = 0, max = 3, label = "Debug Level" },
+    }
+
+    local ok, err = pcall(function()
+        hub:registerModule("TaxMod", {
+            adminSettings = defs,
+            onChange      = function(key, value, playerId) applyChange(key, value) end,
+            -- We own our persistence (the mod's own save path writes FS25_TaxMod.xml) and
+            -- load it before this registration runs, so the hub must mirror-for-display
+            -- only: never restore its own stale copy and replay it back through onChange on
+            -- load. Without this the hub can push a stale value over our real setting every
+            -- load (the SoilFertilizer enabled=false reset-on-load bug class).
+            selfPersisted = true,
+        })
+    end)
+
+    if ok then
+        Logging.info("Tax Mod: Registered with SettingsHub (%d setting(s))", #defs)
+    else
+        Logging.warning("Tax Mod: SettingsHub registration failed: %s", tostring(err))
+    end
+end
diff --git a/src/ui/TaxHUD.lua b/src/ui/TaxHUD.lua
index 9031263..13b4e89 100644
--- a/src/ui/TaxHUD.lua
+++ b/src/ui/TaxHUD.lua
@@ -252,13 +252,15 @@ end
 function TaxHUD:onMouseEvent(posX, posY, isDown, isUp, button, eventUsed)
     if not self.visible then return false end
 
+    -- RMB: exit edit mode only. Edit mode is entered exclusively via the
+    -- TM_HUD_DRAG key binding — never via right-click — so RMB is never
+    -- consumed during normal play, preserving CoursePlay, AutoDrive, etc.
     if isDown and button == 3 then
         if self.editMode then
             self:exitEditMode()
-        elseif self:isPointerOverHUD(posX, posY) then
-            self:enterEditMode()
+            return true
         end
-        return true
+        return false
     end
 
     if not self.editMode then return false end
@@ -383,8 +385,8 @@ function TaxHUD:drawPanel()
 
     local histCount = math.min(#self.taxHistory, TaxHUD.MAX_HISTORY_ROWS)
 
-    -- Row count: title + rate + min-balance + annual-accumulated + projected + next-event + totals(2) + history-header + hist-rows + hint = 10 fixed + max(histCount,1) variable
-    local nRows = 11 + math.max(histCount - 1, 0)
+    -- Row count: title + rate + min-balance + annual-accumulated + projected + next-event + totals(2) + ledger + history-header + hist-rows + hint = 11 fixed + max(histCount,1) variable
+    local nRows = 12 + math.max(histCount - 1, 0)
     local nDividers = 3
     local bgH = pad * 2 + nRows * lh + nDividers * (0.004 * sc)
     local bgX = x - pad
@@ -537,6 +539,24 @@ function TaxHUD:drawPanel()
     renderText(x + w, cy - tsSmall, tsSmall, "+" .. retFmt)
     cy = cy - lh
 
+    -- Companion ledger (recordExpense credits/debits for the local farm)
+    local ledgerCredit, ledgerDebit = 0, 0
+    local ledgerFarms = taxMod.ledger and taxMod.ledger.farms
+    if ledgerFarms ~= nil and g_currentMission ~= nil and g_currentMission.getFarmId ~= nil then
+        local farmLedger = ledgerFarms[g_currentMission:getFarmId()]
+        if farmLedger ~= nil then
+            ledgerCredit = farmLedger.creditTotal or 0
+            ledgerDebit  = farmLedger.debitTotal  or 0
+        end
+    end
+    setTextAlignment(RenderText.ALIGN_LEFT)
+    setTextColor(self.COLORS.LABEL[1], self.COLORS.LABEL[2], self.COLORS.LABEL[3], self.COLORS.LABEL[4])
+    renderText(x, cy - tsSmall, tsSmall, "Tracked credits/debits:")
+    setTextAlignment(RenderText.ALIGN_RIGHT)
+    setTextColor(self.COLORS.VALUE[1], self.COLORS.VALUE[2], self.COLORS.VALUE[3], self.COLORS.VALUE[4])
+    renderText(x + w, cy - tsSmall, tsSmall, "+" .. self:formatMoney(ledgerCredit) .. " / -" .. self:formatMoney(ledgerDebit))
+    cy = cy - lh
+
     -- Divider
     self:divider(bgX, cy + lh * 0.35, bgW, sc)
     cy = cy - 0.004 * sc