diff --git a/app/build.gradle.kts b/app/build.gradle.kts
index 88edd84..8ba23c0 100644
--- a/app/build.gradle.kts
+++ b/app/build.gradle.kts
@@ -27,8 +27,8 @@ android {
         applicationId = "com.ledga.app"
         minSdk = 26
         targetSdk = 34
-        versionCode = 14
-        versionName = "1.4.4"
+        versionCode = 15
+        versionName = "1.4.5"
 
         testInstrumentationRunner = "androidx.test.runner.AndroidJUnitRunner"
     }
diff --git a/app/src/main/java/com/ledga/app/ui/accounts/BackfillScreen.kt b/app/src/main/java/com/ledga/app/ui/accounts/BackfillScreen.kt
index 6b292f8..da38c40 100644
--- a/app/src/main/java/com/ledga/app/ui/accounts/BackfillScreen.kt
+++ b/app/src/main/java/com/ledga/app/ui/accounts/BackfillScreen.kt
@@ -40,6 +40,7 @@ import com.ledga.app.ui.components.parseColor
 import com.ledga.app.ui.components.v2.Avatar
 import com.ledga.app.ui.components.v2.BackLeading
 import com.ledga.app.ui.components.v2.BentoCard
+import com.ledga.app.ui.components.v2.onTonal
 import com.ledga.app.ui.components.v2.LedgaChip
 import com.ledga.app.ui.components.v2.LedgaTopBar
 import com.ledga.app.ui.theme.LedgaAccent
@@ -287,7 +288,7 @@ fun BackfillScreen(
                             "Account row at the bottom that lets you reassign one row " +
                             "at a time. Useful for stragglers.",
                     style = LedgaText.BodyM,
-                    color = MaterialTheme.colorScheme.onSurface,
+                    color = onTonal(LedgaAccentSoft),
                 )
             }
 
diff --git a/app/src/main/java/com/ledga/app/ui/goals/GoalsScreen.kt b/app/src/main/java/com/ledga/app/ui/goals/GoalsScreen.kt
index 630143d..a2c1c8c 100644
--- a/app/src/main/java/com/ledga/app/ui/goals/GoalsScreen.kt
+++ b/app/src/main/java/com/ledga/app/ui/goals/GoalsScreen.kt
@@ -35,6 +35,7 @@ import com.ledga.app.ui.components.parseColor
 import com.ledga.app.ui.components.v2.BackLeading
 import com.ledga.app.ui.components.v2.BentoCard
 import com.ledga.app.ui.components.v2.LedgaTopBar
+import com.ledga.app.ui.components.v2.onTonal
 import com.ledga.app.ui.components.v2.ProgressRing
 import com.ledga.app.ui.components.v2.TopBarIconButton
 import com.ledga.app.ui.theme.LedgaAccent
@@ -115,7 +116,7 @@ private fun EmptyState() {
             text = "Pick what you're saving toward and how you'll contribute. " +
                     "Ledga keeps the progress moving on its own — no manual entry.",
             style = LedgaText.BodyM,
-            color = MaterialTheme.colorScheme.onSurface,
+            color = onTonal(LedgaAccentSoft),
         )
     }
 }
diff --git a/app/src/main/java/com/ledga/app/ui/insights/InsightsScreen.kt b/app/src/main/java/com/ledga/app/ui/insights/InsightsScreen.kt
index 4041dce..a5a3b23 100644
--- a/app/src/main/java/com/ledga/app/ui/insights/InsightsScreen.kt
+++ b/app/src/main/java/com/ledga/app/ui/insights/InsightsScreen.kt
@@ -38,6 +38,8 @@ import com.ledga.app.data.db.entity.InsightSeverity
 import com.ledga.app.data.db.entity.InsightType
 import com.ledga.app.ui.components.v2.BentoCard
 import com.ledga.app.ui.components.v2.LedgaTopBar
+import com.ledga.app.ui.components.v2.onTonal
+import com.ledga.app.ui.components.v2.onTonalMuted
 import com.ledga.app.ui.theme.LedgaAccent
 import com.ledga.app.ui.theme.LedgaAccentDeep
 import com.ledga.app.ui.theme.LedgaAccentSoft
@@ -108,6 +110,12 @@ private fun InsightCard(
     onCta: () -> Unit,
 ) {
     val tone = toneFor(insight.severity)
+    // Tonal cards have a FIXED light background in both light and dark themes,
+    // so their text must contrast with that background — not with the theme's
+    // surface (whose onSurface is near-white in dark mode → invisible here).
+    // INFO cards are non-tonal (adaptive surface), so they use theme colors.
+    val inkColor = if (tone.tonal) onTonal(tone.background) else MaterialTheme.colorScheme.onSurface
+    val mutedColor = if (tone.tonal) onTonalMuted(tone.background) else MaterialTheme.colorScheme.onSurfaceVariant
     BentoCard(
         tonal = tone.tonal,
         tonalColor = tone.background,
@@ -131,13 +139,13 @@ private fun InsightCard(
         Text(
             text = insight.headline,
             style = LedgaText.TitleS,
-            color = MaterialTheme.colorScheme.onSurface,
+            color = inkColor,
         )
         if (!insight.body.isNullOrBlank()) {
             Text(
                 text = insight.body,
                 style = LedgaText.BodyM,
-                color = MaterialTheme.colorScheme.onSurfaceVariant,
+                color = mutedColor,
             )
         }
         Row(
@@ -164,19 +172,19 @@ private fun InsightCard(
                 androidx.compose.material3.Icon(
                     imageVector = Icons.Filled.Replay,
                     contentDescription = "Snooze",
-                    tint = MaterialTheme.colorScheme.onSurfaceVariant,
+                    tint = mutedColor,
                     modifier = Modifier.size(14.dp),
                 )
                 Text(
                     text = "Snooze 30d",
                     style = LedgaText.Caption,
-                    color = MaterialTheme.colorScheme.onSurfaceVariant,
+                    color = mutedColor,
                 )
             }
             Text(
                 text = "Got it",
                 style = LedgaText.BodyM,
-                color = MaterialTheme.colorScheme.onSurface,
+                color = inkColor,
                 modifier = Modifier.clickable { onDismiss() },
             )
         }
diff --git a/app/src/main/java/com/ledga/app/ui/update/UpdateScreen.kt b/app/src/main/java/com/ledga/app/ui/update/UpdateScreen.kt
index aef1268..4659841 100644
--- a/app/src/main/java/com/ledga/app/ui/update/UpdateScreen.kt
+++ b/app/src/main/java/com/ledga/app/ui/update/UpdateScreen.kt
@@ -40,6 +40,7 @@ import com.ledga.app.data.repository.DownloadState
 import com.ledga.app.ui.components.v2.BackLeading
 import com.ledga.app.ui.components.v2.BentoCard
 import com.ledga.app.ui.components.v2.LedgaTopBar
+import com.ledga.app.ui.components.v2.onTonal
 import com.ledga.app.ui.theme.LedgaAccent
 import com.ledga.app.ui.theme.LedgaAccentDeep
 import com.ledga.app.ui.theme.LedgaAccentSoft
@@ -133,7 +134,7 @@ private fun UpToDateCard(onCheckAgain: () -> Unit) {
         Text(
             text = "Nothing newer on GitHub Releases right now.",
             style = LedgaText.BodyM,
-            color = MaterialTheme.colorScheme.onSurface,
+            color = onTonal(LedgaAccentSoft),
         )
         TextButton(onClick = onCheckAgain) {
             Text("Check again", color = LedgaAccentDeep)
@@ -177,7 +178,7 @@ private fun ReleaseCard(
         Text(
             text = "Currently running v${BuildConfig.VERSION_NAME}  ·  Update is $sizeMb",
             style = LedgaText.BodyM,
-            color = MaterialTheme.colorScheme.onSurface,
+            color = onTonal(LedgaAccentSoft),
         )
     }