diff --git a/src/components/insights/__tests__/correlation-card.test.tsx b/src/components/insights/__tests__/correlation-card.test.tsx
new file mode 100644
index 000000000..657b48cec
--- /dev/null
+++ b/src/components/insights/__tests__/correlation-card.test.tsx
@@ -0,0 +1,112 @@
+import { describe, it, expect, vi } from "vitest";
+import { renderToStaticMarkup } from "react-dom/server";
+import { I18nProvider } from "@/lib/i18n/context";
+import type { CorrelationResult } from "@/lib/insights/correlations";
+
+/**
+ * v1.4.20 phase B3 — `<CorrelationCard>` rendering.
+ *
+ * Tests cover:
+ *   1. OK status renders title + interpretation + source chip + disabled CTA.
+ *   2. Insufficient status renders the empty-state instead.
+ *   3. CTA is `disabled` and exposes the "Coming soon" tooltip via `title`.
+ *   4. Confidence chip surfaces high / moderate / low.
+ *   5. Locale-aware copy (EN / DE).
+ */
+
+vi.mock("next/dynamic", () => ({
+  default: () => {
+    const Stub = () => <div data-slot="scatter-stub">scatter</div>;
+    Stub.displayName = "ScatterStub";
+    return Stub;
+  },
+}));
+
+import { CorrelationCard } from "../correlation-card";
+
+function render(node: React.ReactNode, locale: "en" | "de" = "en") {
+  return renderToStaticMarkup(
+    <I18nProvider initialLocale={locale}>{node}</I18nProvider>,
+  );
+}
+
+const okResult: CorrelationResult = {
+  kind: "bp-compliance",
+  status: "ok",
+  statistic: -0.62,
+  n: 28,
+  pValue: 0.001,
+  confidenceBand: { low: -0.85, high: -0.39, label: "high" },
+  interpretation:
+    "Higher medication compliance lines up with lower systolic readings — a pattern worth watching.",
+  points: [
+    { x: 60, y: 140 },
+    { x: 70, y: 135 },
+    { x: 80, y: 130 },
+    { x: 90, y: 125 },
+  ],
+  xLabel: "Compliance %",
+  yLabel: "Systolic (mmHg)",
+};
+
+const insufficient: CorrelationResult = {
+  kind: "mood-pulse",
+  status: "insufficient",
+  n: 8,
+  reason: "too_few_pairs",
+  points: [],
+};
+
+describe("<CorrelationCard>", () => {
+  it("renders title + subtitle + interpretation when status=ok", () => {
+    const html = render(<CorrelationCard result={okResult} />);
+    expect(html).toMatch(/data-slot="correlation-card"/);
+    expect(html).toContain("BP × medication compliance");
+    expect(html).toContain("Daily systolic against compliance %");
+    expect(html).toContain("a pattern worth watching");
+  });
+
+  it("renders the source-chip with the n value", () => {
+    const html = render(<CorrelationCard result={okResult} />);
+    expect(html).toMatch(/data-slot="correlation-card-source"/);
+    expect(html).toContain("based on 28 paired readings");
+  });
+
+  it("renders the high-confidence chip for a tight CI", () => {
+    const html = render(<CorrelationCard result={okResult} />);
+    expect(html).toMatch(/data-slot="correlation-card-confidence"/);
+    expect(html).toContain("High confidence");
+  });
+
+  it("renders the disabled experiment CTA with the Coming-soon tooltip", () => {
+    const html = render(<CorrelationCard result={okResult} />);
+    expect(html).toMatch(/data-slot="correlation-card-cta"/);
+    expect(html).toContain("Try a 7-day experiment");
+    expect(html).toMatch(/disabled/);
+    expect(html).toContain("Coming soon");
+  });
+
+  it("renders the empty-state when status=insufficient", () => {
+    const html = render(<CorrelationCard result={insufficient} />);
+    expect(html).toContain("Need more data to see this pattern");
+    expect(html).not.toContain("Try a 7-day experiment");
+  });
+
+  it("tags the wrapper with the correlation kind", () => {
+    const html = render(<CorrelationCard result={okResult} />);
+    expect(html).toMatch(/data-kind="bp-compliance"/);
+  });
+
+  it("renders German copy when locale=de", () => {
+    const html = render(<CorrelationCard result={okResult} />, "de");
+    expect(html).toContain("BD × Medikamenten-Compliance");
+    expect(html).toContain("7-Tage-Experiment");
+  });
+
+  it("never surfaces causal language in the interpretation slot", () => {
+    const html = render(<CorrelationCard result={okResult} />);
+    // Banned phrases per the conservative-phrasing convention.
+    expect(html).not.toMatch(/causes?/i);
+    expect(html).not.toMatch(/is responsible for/i);
+  });
+});
diff --git a/src/components/insights/__tests__/correlation-row.test.tsx b/src/components/insights/__tests__/correlation-row.test.tsx
new file mode 100644
index 000000000..2c910b306
--- /dev/null
+++ b/src/components/insights/__tests__/correlation-row.test.tsx
@@ -0,0 +1,145 @@
+import { describe, it, expect, vi } from "vitest";
+import { renderToStaticMarkup } from "react-dom/server";
+import { I18nProvider } from "@/lib/i18n/context";
+import type { CorrelationResult } from "@/lib/insights/correlations";
+
+/**
+ * v1.4.20 phase B3 — `<CorrelationRow>` layout + disclaimer.
+ *
+ * Acceptance:
+ *   1. Renders the three hypothesis cards.
+ *   2. Mounts the correlation-disclaimer footer once at the row level.
+ *   3. 2-up grid on >= md, single column on < md.
+ *   4. Below-threshold cards delegate their empty-state to
+ *      `<CorrelationCard>` (smoke-checked via the per-card slot).
+ */
+
+vi.mock("next/dynamic", () => ({
+  default: () => {
+    const Stub = () => <div data-slot="scatter-stub">scatter</div>;
+    Stub.displayName = "ScatterStub";
+    return Stub;
+  },
+}));
+
+import { CorrelationRow } from "../correlation-row";
+
+function render(node: React.ReactNode, locale: "en" | "de" = "en") {
+  return renderToStaticMarkup(
+    <I18nProvider initialLocale={locale}>{node}</I18nProvider>,
+  );
+}
+
+const okBpCompliance: CorrelationResult = {
+  kind: "bp-compliance",
+  status: "ok",
+  statistic: -0.62,
+  n: 28,
+  pValue: 0.001,
+  confidenceBand: { low: -0.85, high: -0.39, label: "high" },
+  interpretation:
+    "Higher medication compliance lines up with lower systolic — a pattern worth watching.",
+  points: [{ x: 60, y: 140 }],
+  xLabel: "Compliance %",
+  yLabel: "Systolic (mmHg)",
+};
+
+const insufficientMoodPulse: CorrelationResult = {
+  kind: "mood-pulse",
+  status: "insufficient",
+  n: 8,
+  reason: "too_few_pairs",
+  points: [],
+};
+
+const okWeightWeekday: CorrelationResult = {
+  kind: "weight-weekday",
+  status: "ok",
+  statistic: 0.18,
+  n: 28,
+  pValue: 0.02,
+  confidenceBand: { low: 0.18, high: 0.18, label: "moderate" },
+  interpretation:
+    "Monday weights run 0.6 kg above your other-day average — a pattern worth watching.",
+  points: [{ x: 0, y: 84 }],
+  xLabel: "Weekday",
+  yLabel: "Weight (kg)",
+};
+
+describe("<CorrelationRow>", () => {
+  it("renders all three hypothesis cards", () => {
+    const html = render(
+      <CorrelationRow
+        results={{
+          bpCompliance: okBpCompliance,
+          moodPulse: insufficientMoodPulse,
+          weightWeekday: okWeightWeekday,
+        }}
+      />,
+    );
+    const matches = html.match(/data-slot="correlation-card"/g) ?? [];
+    expect(matches.length).toBe(3);
+    expect(html).toMatch(/data-kind="bp-compliance"/);
+    expect(html).toMatch(/data-kind="mood-pulse"/);
+    expect(html).toMatch(/data-kind="weight-weekday"/);
+  });
+
+  it("renders the correlation-disclaimer once at the row level", () => {
+    const html = render(
+      <CorrelationRow
+        results={{
+          bpCompliance: okBpCompliance,
+          moodPulse: insufficientMoodPulse,
+          weightWeekday: okWeightWeekday,
+        }}
+      />,
+    );
+    const matches =
+      html.match(/data-slot="correlation-row-disclaimer"/g) ?? [];
+    expect(matches.length).toBe(1);
+    expect(html).toContain("Patterns are observational, not causal");
+  });
+
+  it("applies the 2-up grid on >= md and single column on < md", () => {
+    const html = render(
+      <CorrelationRow
+        results={{
+          bpCompliance: okBpCompliance,
+          moodPulse: insufficientMoodPulse,
+          weightWeekday: okWeightWeekday,
+        }}
+      />,
+    );
+    expect(html).toMatch(/grid-cols-1/);
+    expect(html).toMatch(/md:grid-cols-2/);
+  });
+
+  it("renders German copy when locale=de", () => {
+    const html = render(
+      <CorrelationRow
+        results={{
+          bpCompliance: okBpCompliance,
+          moodPulse: insufficientMoodPulse,
+          weightWeekday: okWeightWeekday,
+        }}
+      />,
+      "de",
+    );
+    expect(html).toContain("Muster");
+    expect(html).toContain("nicht kausal");
+  });
+
+  it("delegates empty-state to per-card empty-state when below threshold", () => {
+    const html = render(
+      <CorrelationRow
+        results={{
+          bpCompliance: insufficientMoodPulse,
+          moodPulse: insufficientMoodPulse,
+          weightWeekday: insufficientMoodPulse,
+        }}
+      />,
+    );
+    const matches = html.match(/Need more data to see this pattern/g) ?? [];
+    expect(matches.length).toBe(3);
+  });
+});
diff --git a/src/components/insights/correlation-card.tsx b/src/components/insights/correlation-card.tsx
new file mode 100644
index 000000000..5092b2f8d
--- /dev/null
+++ b/src/components/insights/correlation-card.tsx
@@ -0,0 +1,178 @@
+"use client";
+
+import dynamic from "next/dynamic";
+import { Activity, Sparkles } from "lucide-react";
+import { Badge } from "@/components/ui/badge";
+import { Button } from "@/components/ui/button";
+import { Card, CardContent, CardHeader, CardTitle } from "@/components/ui/card";
+import { EmptyState } from "@/components/ui/empty-state";
+import { useTranslations } from "@/lib/i18n/context";
+import { cn } from "@/lib/utils";
+import type { CorrelationResult } from "@/lib/insights/correlations";
+
+/**
+ * v1.4.20 phase B3 — single Correlation card.
+ *
+ * Each card surfaces ONE pre-defined hypothesis (BP × compliance,
+ * mood × pulse, weight × weekday). Below-threshold results render an
+ * EmptyState rather than a misleading near-zero scatter.
+ *
+ * Recharts is dynamic-imported behind the existing
+ * `<ScatterCorrelationChart>` wrapper so each card pays the bundle
+ * cost only when it actually paints a chart.
+ */
+
+const ScatterCorrelationChart = dynamic(
+  () =>
+    import("@/components/charts/scatter-correlation-chart").then((mod) => ({
+      default: mod.ScatterCorrelationChart,
+    })),
+  {
+    ssr: false,
+    loading: () => (
+      <div className="bg-muted/40 h-[180px] w-full animate-pulse rounded-md motion-reduce:animate-none" />
+    ),
+  },
+);
+
+interface CorrelationCardProps {
+  /** Correlation runner output. `kind` drives title + subtitle copy. */
+  result: CorrelationResult;
+}
+
+const TONE_BAR_CLASSNAME: Record<CorrelationResult["kind"], string> = {
+  "bp-compliance": "bg-dracula-pink",
+  "mood-pulse": "bg-dracula-cyan",
+  "weight-weekday": "bg-dracula-purple",
+};
+
+const TITLE_KEY: Record<CorrelationResult["kind"], string> = {
+  "bp-compliance": "insights.correlationRow.card.bpComplianceTitle",
+  "mood-pulse": "insights.correlationRow.card.moodPulseTitle",
+  "weight-weekday": "insights.correlationRow.card.weightWeekdayTitle",
+};
+
+const SUBTITLE_KEY: Record<CorrelationResult["kind"], string> = {
+  "bp-compliance": "insights.correlationRow.card.bpComplianceSubtitle",
+  "mood-pulse": "insights.correlationRow.card.moodPulseSubtitle",
+  "weight-weekday": "insights.correlationRow.card.weightWeekdaySubtitle",
+};
+
+const CONFIDENCE_BADGE_CLASSNAME: Record<"low" | "moderate" | "high", string> =
+  {
+    high: "border-dracula-green/40 bg-dracula-green/10 text-dracula-green",
+    moderate:
+      "border-dracula-orange/40 bg-dracula-orange/10 text-dracula-orange",
+    low: "border-dracula-comment/40 bg-dracula-comment/10 text-muted-foreground",
+  };
+
+const CONFIDENCE_LABEL_KEY: Record<"low" | "moderate" | "high", string> = {
+  high: "insights.correlationRow.confidenceHigh",
+  moderate: "insights.correlationRow.confidenceModerate",
+  low: "insights.correlationRow.confidenceLow",
+};
+
+export function CorrelationCard({ result }: CorrelationCardProps) {
+  const { t } = useTranslations();
+  const title = t(TITLE_KEY[result.kind]);
+  const subtitle = t(SUBTITLE_KEY[result.kind]);
+
+  return (
+    <Card
+      data-slot="correlation-card"
+      data-kind={result.kind}
+      className="relative overflow-hidden"
+    >
+      <span
+        aria-hidden="true"
+        className={cn(
+          "absolute top-3 bottom-3 left-0 w-[3px] rounded-r",
+          TONE_BAR_CLASSNAME[result.kind],
+        )}
+      />
+      <CardHeader className="pb-2">
+        <div className="flex items-start justify-between gap-2">
+          <div className="space-y-0.5">
+            <CardTitle className="text-sm font-semibold">{title}</CardTitle>
+            <p className="text-muted-foreground text-xs">{subtitle}</p>
+          </div>
+          {result.status === "ok" && (
+            <Badge
+              data-slot="correlation-card-confidence"
+              variant="outline"
+              className={cn(
+                "shrink-0 text-[10px]",
+                CONFIDENCE_BADGE_CLASSNAME[result.confidenceBand.label],
+              )}
+            >
+              {t(CONFIDENCE_LABEL_KEY[result.confidenceBand.label])}
+            </Badge>
+          )}
+        </div>
+      </CardHeader>
+      <CardContent className="space-y-3">
+        {result.status === "ok" ? (
+          <>
+            <ScatterCorrelationChart
+              data={result.points}
+              fill={tonesByKind(result.kind)}
+              xAxis={{ dataKey: "x", name: result.xLabel }}
+              yAxis={{ dataKey: "y", name: result.yLabel }}
+              height={180}
+            />
+            <p
+              data-slot="correlation-card-interpretation"
+              className="text-foreground text-sm leading-snug"
+            >
+              {result.interpretation}
+            </p>
+            <p
+              data-slot="correlation-card-source"
+              className="text-muted-foreground text-[11px]"
+            >
+              {t("insights.correlationRow.sourceChip", {
+                n: result.n,
+                window: t("insights.correlationRow.sourceWindowLast30"),
+              })}
+            </p>
+            <Button
+              type="button"
+              size="sm"
+              variant="default"
+              disabled
+              data-slot="correlation-card-cta"
+              className="gap-1.5"
+              title={t("insights.correlationRow.experimentTooltip")}
+              aria-label={t("insights.correlationRow.experimentTooltip")}
+            >
+              <Sparkles className="h-3.5 w-3.5" aria-hidden="true" />
+              <span>{t("insights.correlationRow.experimentCta")}</span>
+            </Button>
+          </>
+        ) : (
+          <EmptyState
+            variant="plain"
+            size="compact"
+            icon={<Activity className="size-5" />}
+            title={t("insights.correlationRow.emptyTitle")}
+            description={t("insights.correlationRow.sourceChip", {
+              n: result.n,
+              window: t("insights.correlationRow.sourceWindowLast30"),
+            })}
+          />
+        )}
+      </CardContent>
+    </Card>
+  );
+}
+
+function tonesByKind(kind: CorrelationResult["kind"]): string {
+  switch (kind) {
+    case "bp-compliance":
+      return "var(--dracula-pink)";
+    case "mood-pulse":
+      return "var(--dracula-cyan)";
+    case "weight-weekday":
+      return "var(--dracula-purple)";
+  }
+}
diff --git a/src/components/insights/correlation-row.tsx b/src/components/insights/correlation-row.tsx
new file mode 100644
index 000000000..d651fe255
--- /dev/null
+++ b/src/components/insights/correlation-row.tsx
@@ -0,0 +1,58 @@
+"use client";
+
+import { useTranslations } from "@/lib/i18n/context";
+import type { CorrelationResult } from "@/lib/insights/correlations";
+import { CorrelationCard } from "./correlation-card";
+
+/**
+ * v1.4.20 phase B3 — Correlation row.
+ *
+ * Renders the three pre-defined hypothesis cards in a 2-up grid on
+ * `>=md` and a single column on `<md`. A single correlation-disclaimer
+ * footer sits below the row — the disclaimer applies to every card so
+ * we don't repeat it per-card.
+ *
+ * The `<CorrelationCard>` itself owns the empty-state for below-
+ * threshold results, so this row never has to filter — it always
+ * mounts all three cards regardless of `status`.
+ */
+
+interface CorrelationRowProps {
+  results: {
+    bpCompliance: CorrelationResult;
+    moodPulse: CorrelationResult;
+    weightWeekday: CorrelationResult;
+  };
+}
+
+export function CorrelationRow({ results }: CorrelationRowProps) {
+  const { t } = useTranslations();
+
+  return (
+    <section
+      data-slot="correlation-row"
+      aria-label={t("insights.correlationRow.title")}
+      className="space-y-3"
+    >
+      <div className="flex items-baseline justify-between">
+        <h2 className="text-lg font-semibold">
+          {t("insights.correlationRow.title")}
+        </h2>
+        <p className="text-muted-foreground text-xs">
+          {t("insights.correlationRow.subtitle")}
+        </p>
+      </div>
+      <div className="grid grid-cols-1 gap-4 md:grid-cols-2">
+        <CorrelationCard result={results.bpCompliance} />
+        <CorrelationCard result={results.moodPulse} />
+        <CorrelationCard result={results.weightWeekday} />
+      </div>
+      <p
+        data-slot="correlation-row-disclaimer"
+        className="text-muted-foreground text-xs italic"
+      >
+        {t("insights.correlationRow.disclaimer")}
+      </p>
+    </section>
+  );
+}