docs(03-03): complete row flash and tinted skeleton plan

- Add 03-03-SUMMARY.md for row flash feedback and pastel-tinted skeleton plan
- Update STATE.md: progress 100%, new decisions, session record
- Update ROADMAP.md: Phase 03 marked Complete (4/4 plans with summaries)

.planning/STATE.md

@@ -3,14 +3,14 @@ gsd_state_version: 1.0
 milestone: v1.0
 milestone_name: milestone
 status: planning
-stopped_at: Completed 03-02-PLAN.md
+stopped_at: Completed 03-03-PLAN.md
-last_updated: "2026-03-11T21:33:38.813Z"
+last_updated: "2026-03-11T21:37:48.890Z"
 last_activity: 2026-03-11 — Roadmap created from requirements and research
 progress:
   total_phases: 4
-  completed_phases: 2
+  completed_phases: 3
   total_plans: 8
-  completed_plans: 7
+  completed_plans: 8
   percent: 0
 ---
 
@@ -57,6 +57,7 @@ Progress: [░░░░░░░░░░] 0%
 | Phase 03-interaction-quality-and-completeness P00 | 5 | 1 tasks | 4 files |
 | Phase 03-interaction-quality-and-completeness P01 | 2m | 2 tasks | 5 files |
 | Phase 03-interaction-quality-and-completeness P02 | 5 | 2 tasks | 3 files |
+| Phase 03-interaction-quality-and-completeness P03 | 5 | 2 tasks | 4 files |
 
 ## Accumulated Context
 
@@ -84,6 +85,8 @@ Recent decisions affecting current work:
 - [Phase 03-interaction-quality-and-completeness]: EmptyState is a shared component with all content as props — icon, heading, subtext, and optional CTA
 - [Phase 03-interaction-quality-and-completeness]: Delete dialog does not auto-close on error — user must read ON DELETE RESTRICT message before dismissing
 - [Phase 03-interaction-quality-and-completeness]: CategoriesPage loading state initialized true, set false in finally block to prevent empty-state flash
+- [Phase 03-interaction-quality-and-completeness]: triggerFlash uses two separate state vars (flashRowId/errorRowId) for flash feedback — no race conditions between success and error states
+- [Phase 03-interaction-quality-and-completeness]: Empty tracker sections show tinted skeleton card (not null) — section always visible with palette-tinted placeholders when no items exist
 
 ### Pending Todos
 
@@ -96,6 +99,6 @@ None yet.
 
 ## Session Continuity
 
-Last session: 2026-03-11T21:33:38.811Z
+Last session: 2026-03-11T21:37:48.889Z
-Stopped at: Completed 03-02-PLAN.md
+Stopped at: Completed 03-03-PLAN.md
 Resume file: None

.planning/phases/03-interaction-quality-and-completeness/03-03-SUMMARY.md

@@ -0,0 +1,85 @@
+---
+phase: 03-interaction-quality-and-completeness
+plan: 03
+subsystem: frontend/components
+tags: [flash-feedback, skeleton, inline-edit, ux, palette]
+dependency_graph:
+  requires: [03-01, 03-00]
+  provides: [row-flash-feedback, tinted-skeletons]
+  affects: [BillsTracker, VariableExpenses, DebtTracker, DashboardPage]
+tech_stack:
+  added: []
+  patterns:
+    - color-mix() inline style for ephemeral flash colors (avoids Tailwind class generation issues)
+    - palette.*.light for consistent tinted skeletons matching section card headers
+    - useState flash state with setTimeout cleanup for 600ms animations
+key_files:
+  created: []
+  modified:
+    - frontend/src/components/BillsTracker.tsx
+    - frontend/src/components/VariableExpenses.tsx
+    - frontend/src/components/DebtTracker.tsx
+    - frontend/src/pages/DashboardPage.tsx
+decisions:
+  - triggerFlash uses separate flashRowId/errorRowId state (not a union) for clarity and concurrent flash isolation
+  - Tinted skeleton shows when items array is empty (early return pattern) — distinct from DashboardPage loading skeleton
+  - DebtTracker previously returned null for empty state; now shows tinted skeleton instead
+key_decisions:
+  - triggerFlash uses two separate state vars (flashRowId/errorRowId) for success and error to avoid race conditions
+  - Empty tracker sections show tinted skeleton (not null) — section is always visible, just shows placeholders when no items
+requirements: [IXTN-03, STATE-03]
+metrics:
+  duration: 5m
+  completed_date: "2026-03-11"
+  tasks_completed: 2
+  tasks_total: 2
+  files_modified: 4
+---
+
+# Phase 03 Plan 03: Row Flash Feedback and Tinted Skeletons Summary
+
+**One-liner:** Row-level green/red flash on inline edit save and palette-tinted loading skeletons across all three tracker components and the dashboard.
+
+## What Was Built
+
+### Task 1: Row Flash Feedback (BillsTracker, VariableExpenses, DebtTracker)
+
+All three tracker components received:
+- `flashRowId` and `errorRowId` state vars (both `string | null`)
+- `triggerFlash(id, type)` helper that sets the appropriate ID and clears it after 600ms via `setTimeout`
+- Inline `style` on each data `<TableRow>` using `color-mix(in oklch, var(--success/--destructive) 20%, transparent)` — avoids relying on Tailwind JIT to generate flash classes at runtime
+- `onSaveSuccess` and `onSaveError` callbacks wired to each `<InlineEditCell>`, calling `triggerFlash` with the item's ID
+
+The totals row is untouched. Only data rows get the flash style.
+
+### Task 2: Tinted Skeletons (DashboardPage + tracker empty states)
+
+**DashboardPage:** The loading skeleton block (shown before any budget list loads) now uses palette-tinted Skeleton elements:
+- `palette.saving.light` for the main overview skeleton
+- `palette.bill.light` / `palette.variable_expense.light` in a 2-col grid row
+- `palette.debt.light` / `palette.investment.light` in a second 2-col grid row
+
+**Tracker empty states:** Each tracker now renders a Card with a tinted skeleton placeholder instead of returning `null` (DebtTracker) or an empty table (BillsTracker, VariableExpenses) when the budget has no items of that category type:
+- BillsTracker: 3 skeleton rows tinted with `palette.bill.light`
+- VariableExpenses: 3 skeleton rows tinted with `palette.variable_expense.light`
+- DebtTracker: 3 skeleton rows tinted with `palette.debt.light`
+
+## Deviations from Plan
+
+### Auto-combined Changes
+
+**Task 2 tracker skeleton was combined with Task 1:** The plan listed skeleton addition as part of Task 2, but since Task 1 already touched all three tracker files, the skeleton empty-state logic was added in the same edit pass to avoid double-touching files. Both tasks' tracker changes were committed together in Task 1's commit. This is not a deviation from intent — the plan's own context note states "These skeletons show when a budget exists but has no items of that type."
+
+**[Rule 1 - Bug] DebtTracker previously returned null for empty state:** The original DebtTracker had `if (debts.length === 0) return null` which made the debt section completely invisible when there were no debts. Replaced with the tinted skeleton card per plan spec, which is the intended behavior.
+
+## Self-Check: PASSED
+
+| Item | Status |
+|------|--------|
+| frontend/src/components/BillsTracker.tsx | FOUND |
+| frontend/src/components/VariableExpenses.tsx | FOUND |
+| frontend/src/components/DebtTracker.tsx | FOUND |
+| frontend/src/pages/DashboardPage.tsx | FOUND |
+| 03-03-SUMMARY.md | FOUND |
+| Commit 4ef10da (Task 1) | FOUND |
+| Commit c60a865 (Task 2) | FOUND |