diff --git a/src/components/onboarding/__tests__/done-screen.test.tsx b/src/components/onboarding/__tests__/done-screen.test.tsx
index f3010a24c..c03b2d545 100644
--- a/src/components/onboarding/__tests__/done-screen.test.tsx
+++ b/src/components/onboarding/__tests__/done-screen.test.tsx
@@ -262,6 +262,74 @@ describe("<DoneScreen> shared-provider offer", () => {
     expect(html).not.toContain('data-slot="onboarding-ai-unavailable"');
   });
 
+  /**
+   * The whole decision table, in one place.
+   *
+   * Three arms the screen can be in — the offer is available, the offer is
+   * withheld for a reason that is not health (the assistant surfaces switched
+   * off, a managed profile), a receipt is already on file — crossed with the
+   * three health states. The point of the cross is that HEALTH decides the
+   * claim in every arm: the consent arm used to promise "insights work for
+   * you right now" without reading health at all, which told somebody who had
+   * consented that a dead provider was working. That is the same unmeasured
+   * claim as the `unknown` case at the other end of the panel.
+   */
+  const TABLE = [
+    { arm: "offerable", consent: false, health: "healthy", state: "offer" },
+    {
+      arm: "offerable",
+      consent: false,
+      health: "unhealthy",
+      state: "unavailable",
+    },
+    { arm: "offerable", consent: false, health: "unknown", state: "neutral" },
+    { arm: "withheld", consent: false, health: "healthy", state: "neutral" },
+    {
+      arm: "withheld",
+      consent: false,
+      health: "unhealthy",
+      state: "unavailable",
+    },
+    { arm: "withheld", consent: false, health: "unknown", state: "neutral" },
+    { arm: "consented", consent: true, health: "healthy", state: "consent" },
+    {
+      arm: "consented",
+      consent: true,
+      health: "unhealthy",
+      state: "unavailable",
+    },
+    { arm: "consented", consent: true, health: "unknown", state: "neutral" },
+  ] as const;
+
+  it.each(TABLE)(
+    "settles on $state when the offer is $arm and the provider is $health",
+    ({ arm, consent, health, state }) => {
+      aiProviderState.data = {
+        managedBy: "server",
+        serverProviderHealth: health,
+        // The server only ever offers on `healthy`, and never with a receipt
+        // on file; the withheld arm is the flags-off / managed-profile case.
+        serverProviderOffer: arm === "offerable" && health === "healthy",
+        serverProviderConsent: consent,
+      };
+      const html = render();
+      expect(html).toContain(`data-ai-state="${state}"`);
+      // The positive sentence appears in exactly one of the nine cells.
+      expect(html.includes('data-slot="onboarding-ai-shared-key"')).toBe(
+        state === "consent",
+      );
+      expect(html.includes('data-slot="onboarding-ai-unavailable"')).toBe(
+        state === "unavailable",
+      );
+      expect(html.includes('data-slot="onboarding-ai-offer-grant"')).toBe(
+        state === "offer",
+      );
+      // The rest of the panel is untouched in every cell.
+      expect(html).toContain('data-slot="onboarding-ai-keyless"');
+      expect(html).toContain('href="/settings/ai"');
+    },
+  );
+
   it("grants through the affirmative web intent — the only path that may lift a revocation", async () => {
     mutations.length = 0;
     apiFetchRaw.mockReset();
diff --git a/src/components/onboarding/done-screen.tsx b/src/components/onboarding/done-screen.tsx
index 6bbdad6ad..af4636436 100644
--- a/src/components/onboarding/done-screen.tsx
+++ b/src/components/onboarding/done-screen.tsx
@@ -169,12 +169,22 @@ export function DoneScreen({ state }: { state: OnboardingStateDto }) {
   });
 
   const operatorProvides = aiProvider?.managedBy === "server";
+  const sharedHealth = aiProvider?.serverProviderHealth;
   const consentOnFile =
     justGranted || aiProvider?.serverProviderConsent === true;
   const offerShared =
     operatorProvides &&
     !consentOnFile &&
     aiProvider?.serverProviderOffer === true;
+  // A receipt on file is a fact about the ACCOUNT; it says nothing about
+  // whether the provider works. This line used to promise "insights work for
+  // you right now" on the strength of the receipt alone, so somebody who had
+  // just consented was told a dead provider was serving them — the same
+  // unmeasured claim as the offer's, made at the other end of the panel. The
+  // positive sentence is now earned by health as well, and a consented
+  // account on a broken provider reads the same honest note as anybody else.
+  const sharedKeyNote =
+    operatorProvides && consentOnFile && sharedHealth === "healthy";
   // Only a health verdict somebody EARNED paints the "not answering" card —
   // `unhealthy`, which means the provider was tried and the last thing that
   // happened was a failure. `unknown` is not that verdict: it is an empty
@@ -187,9 +197,9 @@ export function DoneScreen({ state }: { state: OnboardingStateDto }) {
   // nobody measured.
   const sharedUnavailable =
     operatorProvides &&
-    !consentOnFile &&
+    !sharedKeyNote &&
     !offerShared &&
-    aiProvider?.serverProviderHealth === "unhealthy";
+    sharedHealth === "unhealthy";
 
   return (
     <section
@@ -233,7 +243,7 @@ export function DoneScreen({ state }: { state: OnboardingStateDto }) {
         data-ai-state={
           aiProvider === undefined
             ? undefined
-            : consentOnFile && operatorProvides
+            : sharedKeyNote
               ? "consent"
               : offerShared
                 ? "offer"
@@ -278,7 +288,7 @@ export function DoneScreen({ state }: { state: OnboardingStateDto }) {
           </Button>
         )}
 
-        {consentOnFile && operatorProvides ? (
+        {sharedKeyNote ? (
           <p
             data-slot="onboarding-ai-shared-key"
             className="text-foreground bg-primary/5 border-primary/20 rounded-lg border px-3 py-2 text-sm leading-relaxed"