diff --git a/src/css/styles.css b/src/css/styles.css
index ae58a11..bf53c2e 100644
--- a/src/css/styles.css
+++ b/src/css/styles.css
@@ -230,7 +230,7 @@ tr.lot-child.la-sol:hover > td{background:rgba(153,69,255,.08)}
 .holdings-sec{margin-bottom:0}
 .holdings-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(252px,1fr));gap:12px}
 .holdings-merges{margin-top:12px;display:flex;gap:8px;justify-content:flex-end}
-.hcard{background:var(--s2);border:1px solid var(--bd2);position:relative;overflow:hidden}
+.hcard{background:var(--s2);border:1px solid var(--bd2);position:relative}
 .hcard-btc{border-left:3px solid var(--btc)}
 .hcard-eth{border-left:3px solid var(--eth)}
 .hcard-hype{border-left:3px solid var(--hype)}
@@ -288,12 +288,14 @@ tr.lot-child.la-sol:hover > td{background:rgba(153,69,255,.08)}
 .ppnl-tab.active{border-color:var(--green);color:var(--green)}
 .ppnl-cards{padding:16px 20px 20px;display:grid;grid-template-columns:repeat(3,minmax(0,340px));gap:12px;justify-content:center}
 .ppnl-card{background:var(--s2);border:1px solid var(--bd);border-radius:10px;padding:14px 16px;position:relative}
-.ppnl-card.has-tip{cursor:help}
-.ppnl-tip-ico{color:var(--mu);font-size:.75rem;margin-left:4px;opacity:.7}
+
+/* Generic styled-popover tooltip. Opt in by adding class="has-tip" + data-tip="…" */
+.has-tip{position:relative;cursor:help}
+.tip-ico,.ppnl-tip-ico{color:var(--mu);font-size:.75rem;margin-left:4px;opacity:.7}
+.has-tip:hover .tip-ico,.has-tip:hover .ppnl-tip-ico{opacity:1;color:var(--text)}
 .ppnl-card.has-tip:hover{border-color:var(--mu)}
-.ppnl-card.has-tip:hover .ppnl-tip-ico{opacity:1;color:var(--text)}
-.ppnl-card.has-tip::after{content:attr(data-tip);position:absolute;left:50%;bottom:calc(100% + 8px);transform:translateX(-50%);background:#0c1119;color:var(--text);border:1px solid var(--bd);border-radius:8px;padding:8px 10px;font-family:var(--mono);font-size:.7rem;line-height:1.45;width:max-content;max-width:300px;white-space:normal;text-align:left;box-shadow:0 8px 24px rgba(0,0,0,.45);opacity:0;pointer-events:none;transition:opacity .12s ease;z-index:20}
-.ppnl-card.has-tip:hover::after{opacity:1}
+.has-tip::after{content:attr(data-tip);position:absolute;left:50%;bottom:calc(100% + 8px);transform:translateX(-50%);background:#0c1119;color:var(--text);border:1px solid var(--bd);border-radius:8px;padding:8px 10px;font-family:var(--mono);font-size:.7rem;line-height:1.45;width:max-content;max-width:300px;white-space:normal;text-align:left;box-shadow:0 8px 24px rgba(0,0,0,.45);opacity:0;pointer-events:none;transition:opacity .12s ease;z-index:20}
+.has-tip:hover::after{opacity:1}
 .ppnl-lbl{font-size:.6rem;font-weight:700;text-transform:uppercase;letter-spacing:1.1px;color:var(--mu);font-family:var(--mono);margin-bottom:10px}
 .ppnl-main{font-size:1.05rem;font-weight:700;color:var(--text);font-family:var(--mono);line-height:1.1}
 .ppnl-sub{font-size:.65rem;color:var(--mu);font-family:var(--mono);margin-top:4px}
diff --git a/src/js/06-render-table.js b/src/js/06-render-table.js
index 91e5d87..8917aa6 100644
--- a/src/js/06-render-table.js
+++ b/src/js/06-render-table.js
@@ -350,8 +350,8 @@ function rTable(displayRows, streams, lots) {
         +     editBtn
         +   '</div>'
         + '</div>'
-        + '<div class="hcard-hero">'
-        +   '<div class="hcard-hero-lbl">Net Cost / ' + a + '</div>'
+        + '<div class="hcard-hero has-tip" data-tip="Net Cost = costBasis − (lotPremiums / size). A premium-reduced entry-price lens — what you effectively paid per token after the wheel premiums worked for you. Different from Unrealised P&amp;L, which marks the lot to spot against raw costBasis (not netCost).">'
+        +   '<div class="hcard-hero-lbl">Net Cost / ' + a + ' <span class="tip-ico" aria-hidden="true">&#9432;</span></div>'
         +   '<div class="hcard-hero-val">$' + fmt(nc) + '</div>'
         +   '<div class="hcard-hero-sub">basis $' + fmt(lot.costBasis) + ' &mdash; saved <span>$' + fmt(reduction) + ' (' + reductionPct.toFixed(1) + '%)</span></div>'
         + '</div>'
diff --git a/src/js/07-render-charts.js b/src/js/07-render-charts.js
index 265bc93..ec892f2 100644
--- a/src/js/07-render-charts.js
+++ b/src/js/07-render-charts.js
@@ -530,9 +530,7 @@ function rCharts(displayRows, lots) {
     const s = calcStats(displayRows);
     const { realised, unrealised, total, missingSpotAssets } = computePnl(trades, sFilter, livePrices);
     function card(label, main, sub, tip) {
-      const tipAttr = tip
-        ? ' data-tip="' + tip.replace(/"/g, '&quot;') + '" title="' + tip.replace(/"/g, '&quot;') + '"'
-        : '';
+      const tipAttr = tip ? ' data-tip="' + tip.replace(/"/g, '&quot;') + '"' : '';
       return '<div class="ppnl-card' + (tip ? ' has-tip' : '') + '"' + tipAttr + '>' +
         '<div class="ppnl-lbl">' + label + (tip ? ' <span class="ppnl-tip-ico" aria-hidden="true">&#9432;</span>' : '') + '</div>' +
         '<div class="ppnl-main">' + main + '</div>' +
@@ -589,7 +587,8 @@ function rCharts(displayRows, lots) {
     el.innerHTML = [
       card('Total Premium Collected',
         s.totalCount > 0 ? '$' + fmt(s.totalPrem) : dash,
-        s.totalCount > 0 ? pos(s.settled) + ' settled' + (s.openCount > 0 ? ' · ' + s.openCount + ' open' : '') : ''),
+        s.totalCount > 0 ? pos(s.settled) + ' settled' + (s.openCount > 0 ? ' · ' + s.openCount + ' open' : '') : '',
+        'Sum of every option premium collected (gross of buy-to-close costs). Includes settled and open positions.'),
       card('Realised P&amp;L',
         realisedStr,
         s.totalCount > 0 ? 'settled events only' : '',
@@ -604,13 +603,16 @@ function rCharts(displayRows, lots) {
         totalTip),
       card('Total Notional',
         s.totalNotional > 0 ? '$' + fmt(s.totalNotional) : dash,
-        s.totalCount > 0 ? pos(s.totalCount) + (s.openCount > 0 ? ' · ' + s.openCount + ' open' : '') : ''),
+        s.totalCount > 0 ? pos(s.totalCount) + (s.openCount > 0 ? ' · ' + s.openCount + ' open' : '') : '',
+        'Total Notional = Σ strike × size across every option (settled and open). The capital you would tie up if every put were assigned at strike.'),
       card('Portfolio APR',
         s.portfolioAPR !== null ? s.portfolioAPR.toFixed(1) + '%' : dash,
-        s.settled > 0 ? 'notional-weighted · ' + s.settled + ' settled' : ''),
+        s.settled > 0 ? 'notional-weighted · ' + s.settled + ' settled' : '',
+        'Notional-weighted average APR of settled options. Per-option APR = (netPrem / collateral) / DTE × 365. Open options excluded.'),
       card('Return Rate',
         s.returnRate !== null ? s.returnRate.toFixed(1) + '%' : dash,
-        s.settled > 0 ? s.otmCount + ' / ' + s.settled + ' exp OTM' : ''),
+        s.settled > 0 ? s.otmCount + ' / ' + s.settled + ' exp OTM' : '',
+        'Share of settled options that expired OTM (premium kept, no assignment/call-away). Open options excluded.'),
     ].join('');
 
   } else {
diff --git a/test/integration/pnl-tiles.test.js b/test/integration/pnl-tiles.test.js
index 332ce30..1a31ad6 100644
--- a/test/integration/pnl-tiles.test.js
+++ b/test/integration/pnl-tiles.test.js
@@ -15,6 +15,63 @@ function findRealisedCard(window) { return findCard(window, /Realised P&L/i); }
 function findUnrealisedCard(window) { return findCard(window, /Unrealised P&L/i); }
 function findTotalCard(window) { return findCard(window, /^Total P&L/i); }
 
+function assertHasTooltip(card, tipPattern) {
+  const tip = card.getAttribute('data-tip') || '';
+  if (!tipPattern.test(tip)) {
+    throw new Error('expected data-tip to match ' + tipPattern + ', got "' + tip + '"');
+  }
+  const lbl = card.querySelector('.ppnl-lbl');
+  const ico = lbl && lbl.querySelector('.ppnl-tip-ico');
+  if (!ico) throw new Error('expected ⓘ glyph (.ppnl-tip-ico) inside .ppnl-lbl');
+}
+
+test('Total Premium Collected tile has tooltip + ⓘ glyph', (t) => {
+  const trades = [
+    { id: 1, asset: 'BTC', type: 'PUT', date: '2026-01-01', expiry: '2026-01-15',
+      dte: 14, strike: 50000, size: 0.1, premium: 120, outcome: 'EXPIRED',
+      closeCost: 0, platform: 'RYSK' },
+  ];
+  const { window, teardown } = setupJsdom({ trades });
+  t.after(teardown);
+
+  const card = findCard(window, /Total Premium Collected/i);
+  assert.ok(card, 'Total Premium Collected card should exist');
+  assertHasTooltip(card, /premium/i);
+});
+
+test('Total Notional tile has tooltip + ⓘ glyph', (t) => {
+  const trades = [
+    { id: 1, asset: 'BTC', type: 'PUT', date: '2026-01-01', expiry: '2026-01-15',
+      dte: 14, strike: 50000, size: 0.1, premium: 120, outcome: 'EXPIRED',
+      closeCost: 0, platform: 'RYSK' },
+  ];
+  const { window, teardown } = setupJsdom({ trades });
+  t.after(teardown);
+  assertHasTooltip(findCard(window, /Total Notional/i), /notional|strike.*size/i);
+});
+
+test('Portfolio APR tile has tooltip + ⓘ glyph', (t) => {
+  const trades = [
+    { id: 1, asset: 'BTC', type: 'PUT', date: '2026-01-01', expiry: '2026-01-15',
+      dte: 14, strike: 50000, size: 0.1, premium: 120, outcome: 'EXPIRED',
+      closeCost: 0, platform: 'RYSK' },
+  ];
+  const { window, teardown } = setupJsdom({ trades });
+  t.after(teardown);
+  assertHasTooltip(findCard(window, /Portfolio APR/i), /APR|annualised|annualized/i);
+});
+
+test('Return Rate tile has tooltip + ⓘ glyph', (t) => {
+  const trades = [
+    { id: 1, asset: 'BTC', type: 'PUT', date: '2026-01-01', expiry: '2026-01-15',
+      dte: 14, strike: 50000, size: 0.1, premium: 120, outcome: 'EXPIRED',
+      closeCost: 0, platform: 'RYSK' },
+  ];
+  const { window, teardown } = setupJsdom({ trades });
+  t.after(teardown);
+  assertHasTooltip(findCard(window, /Return Rate/i), /OTM|expired/i);
+});
+
 test('Realised P&L tile renders settled premium total', (t) => {
   const trades = [
     // BTC PUT expired → +120
@@ -36,8 +93,10 @@ test('Realised P&L tile renders settled premium total', (t) => {
   const main = card.querySelector('.ppnl-main').textContent;
   assert.match(main, /\+\$200/, `expected +$200, got "${main}"`);
 
-  // Tooltip present.
-  assert.match(card.getAttribute('title') || '', /Realised P&L/);
+  // Styled popover present; native title= dropped (it produced a duplicate
+  // slow browser tooltip on top of the styled one).
+  assert.match(card.getAttribute('data-tip') || '', /Realised P&L/);
+  assert.strictEqual(card.getAttribute('title'), null);
 });
 
 test('Realised P&L tile respects asset filter (sFilter)', (t) => {
@@ -115,7 +174,8 @@ test('Unrealised P&L tile marks open lots to market against costBasis', (t) => {
   assert.ok(card, 'Unrealised P&L card should exist');
   const main = card.querySelector('.ppnl-main').textContent;
   assert.match(main, /\+\$500/, `expected +$500, got "${main}"`);
-  assert.match(card.getAttribute('title') || '', /Unrealised P&L/);
+  assert.match(card.getAttribute('data-tip') || '', /Unrealised P&L/);
+  assert.strictEqual(card.getAttribute('title'), null);
 });
 
 test('Total P&L tile = Realised + Unrealised', (t) => {
@@ -138,7 +198,8 @@ test('Total P&L tile = Realised + Unrealised', (t) => {
   assert.ok(card, 'Total P&L card should exist');
   const main = card.querySelector('.ppnl-main').textContent;
   assert.match(main, /\+\$600/, `expected +$600, got "${main}"`);
-  assert.match(card.getAttribute('title') || '', /Total P&L/);
+  assert.match(card.getAttribute('data-tip') || '', /Total P&L/);
+  assert.strictEqual(card.getAttribute('title'), null);
 });
 
 test('Unrealised tile shows dash + spot-unavailable sub-line when spot missing', (t) => {
@@ -200,3 +261,44 @@ test('Unrealised + Total tiles respect asset filter', (t) => {
   // BTC: (52000-50000)*0.1 = 200
   assert.match(main, /\+\$200/, `under BTC filter expected +$200, got "${main}"`);
 });
+
+test('Holdings card Net Cost hero has tooltip + ⓘ glyph (lens disambiguation)', (t) => {
+  const trades = [
+    { id: 1, asset: 'ETH', type: 'HOLDING', date: '2026-01-01', expiry: '',
+      dte: null, strike: 3000, size: 1, premium: 0, outcome: 'OPEN',
+      closeCost: 0, platform: 'SPOT' },
+  ];
+  const { window, teardown } = setupJsdom({ trades });
+  t.after(teardown);
+
+  // The Net Cost hero block — find by its label.
+  const heros = window.document.querySelectorAll('.hcard-hero');
+  let hero = null;
+  for (const h of heros) {
+    const lbl = h.querySelector('.hcard-hero-lbl');
+    if (lbl && /Net Cost/i.test(lbl.textContent)) { hero = h; break; }
+  }
+  assert.ok(hero, 'expected Net Cost hero block on the holdings card');
+
+  // Popover wired via the same data-tip + has-tip pattern as the PnL tiles,
+  // explaining the lens difference vs Unrealised P&L.
+  assert.ok(hero.classList.contains('has-tip'), 'hero should opt into has-tip styling');
+  const tip = hero.getAttribute('data-tip') || '';
+  assert.match(tip, /Unrealised|mark-to-market/i,
+    'tooltip should disambiguate Net Cost lens from Unrealised P&L lens');
+  // ⓘ glyph rendered inside the label, matching the PnL-tile affordance.
+  const ico = hero.querySelector('.tip-ico, .ppnl-tip-ico');
+  assert.ok(ico, 'expected ⓘ glyph next to the Net Cost label');
+});
+
+test('Holdings card does not clip its tooltip popover (no overflow:hidden on .hcard)', () => {
+  const fs = require('fs');
+  const path = require('path');
+  const css = fs.readFileSync(path.join(__dirname, '..', '..', 'src', 'css', 'styles.css'), 'utf8');
+  // Match the .hcard rule (not .hcard-foo) and check it doesn't set overflow:hidden,
+  // which would clip the .has-tip popover anchored to the .hcard-hero inside.
+  const m = css.match(/\.hcard\s*\{([^}]*)\}/);
+  assert.ok(m, '.hcard rule should exist');
+  assert.doesNotMatch(m[1], /overflow\s*:\s*hidden/i,
+    '.hcard must not set overflow:hidden — would clip Net Cost tooltip');
+});