Build an HOA management web app for a self-managed board.

1. Units and owners: unit number, address, owner name, email, phone, mailing address, occupancy (owner or renter), role (owner, board member, treasurer, admin).
2. Assessments: monthly amount per unit, effective date, and a ledger of charges and payments stored as individual entries with exact decimals. Never store a balance, always compute it from entries.
3. Payments: record a payment manually with date, amount, method and reference. Connect a payment processor for online dues and reconcile deposits monthly.
4. Aging view: units at 30, 60 and 90 days overdue with total outstanding.
5. Maintenance requests: unit, category, description, photo upload, status, assigned vendor, resolution notes.
6. Violations: unit, rule cited (select from the rule library), date observed, description, evidence photo, letter drafted by AI from the rule text, cure deadline, approval recorded with the approving board member and timestamp.
7. Documents: covenants, bylaws, budgets, minutes, insurance certificates, with visibility limited to owners and board.
8. Announcements: post to all owners, with email notification.
9. Owner portal: view own ledger and statement PDF, submit maintenance requests, download documents. Owners cannot see other units.
10. Access control: role based, with a handover flow so board roles can be transferred at elections without losing history.

Design: plain, trustworthy, form-forward interface. Warm neutral background, one strong accent color, large readable type, and every money field right aligned with two decimals. Add an explicit warning label anywhere a legal collection step would be implied.