From db1e74546c52a4af68f5418d609024f474960a95 Mon Sep 17 00:00:00 2001
From: Frank Steiler <frank@steiler.dev>
Date: Fri, 31 Jul 2026 12:09:35 +0200
Subject: [PATCH 1/3] feat(reports): wizard settings step with report language
 selection

5-step wizard adds a new Settings step (report language en/de +
relocated toggles); the exported PDF now renders fully in the
selected language via getFixedT + createFormatters, while the app
UI language stays untouched. Also fixes tablet stepper density.

Fixes #1899

Co-Authored-By: Claude dev-team-lead (Sonnet 4.6) <noreply@anthropic.com>
Co-Authored-By: Claude frontend-developer (Haiku 4.5) <noreply@anthropic.com>
Co-Authored-By: Claude translator (Sonnet 4.5) <noreply@anthropic.com>
Co-Authored-By: Claude qa-integration-tester (Sonnet 4.5) <noreply@anthropic.com>
Co-Authored-By: Claude e2e-test-engineer (Sonnet 4.5) <noreply@anthropic.com>
---
 .../agent-memory/e2e-test-engineer/MEMORY.md  |   2 +-
 .../story-1879-report-wizard.md               |  47 ++-
 .../ux-designer/feature-spec-history.md       |  10 +
 .../ux-designer/token-reference.md            |   1 +
 .../WizardStepper/WizardStepper.module.css    |  16 +
 client/src/i18n/de/budget.json                |   5 +
 client/src/i18n/en/budget.json                |   5 +
 client/src/lib/formatters.test.ts             | 132 ++++++++
 client/src/lib/formatters.ts                  | 107 ++++---
 client/src/lib/reportPdf/realRender.test.ts   |  30 ++
 .../ReportWizardPage.module.css               |  35 ++-
 .../ReportWizardPage.test.tsx                 | 290 ++++++++++++++++--
 .../ReportWizardPage/ReportWizardPage.tsx     |  85 ++++-
 .../ReportWizardPage/Step4Settings.test.tsx   | 151 +++++++++
 .../pages/ReportWizardPage/Step4Settings.tsx  | 104 +++++++
 ...Options.test.tsx => Step5Actions.test.tsx} | 119 +++----
 .../{Step4Options.tsx => Step5Actions.tsx}    |  56 +---
 e2e/pages/ReportWizardPage.ts                 |  93 ++++--
 e2e/tests/budget/reportWizard.spec.ts         | 172 +++++++++--
 .../budget/reportWizardExpansion.spec.ts      |  21 +-
 20 files changed, 1204 insertions(+), 277 deletions(-)
 create mode 100644 client/src/pages/ReportWizardPage/Step4Settings.test.tsx
 create mode 100644 client/src/pages/ReportWizardPage/Step4Settings.tsx
 rename client/src/pages/ReportWizardPage/{Step4Options.test.tsx => Step5Actions.test.tsx} (70%)
 rename client/src/pages/ReportWizardPage/{Step4Options.tsx => Step5Actions.tsx} (63%)

diff --git a/.claude/agent-memory/e2e-test-engineer/MEMORY.md b/.claude/agent-memory/e2e-test-engineer/MEMORY.md
index 501de0af1..bd95e3139 100644
--- a/.claude/agent-memory/e2e-test-engineer/MEMORY.md
+++ b/.claude/agent-memory/e2e-test-engineer/MEMORY.md
@@ -22,7 +22,7 @@
 - [bug-1829-shard3-flakes.md](bug-1829-shard3-flakes.md) — root cause + fix for the shard-3 diary flakes blocking main promotions; also proves `maxFailures` already tolerates one retry-passing test (Playwright source citation).
 - [story-1876-deposit-refunds.md](story-1876-deposit-refunds.md) — deposit `entryType` refunds; DataTable hidden-column read pattern (`getColumnCellText`), table+card dual-DOM visible-filter pitfall.
 - [story-1877-contact-fields-attachment-typing.md](story-1877-contact-fields-attachment-typing.md) — budget-source contact fields, household settings singleton (needs `mode:'serial'`, not just try/finally), document-link attachment typing; route-mock last-registered-runs-first ordering hazard; sandbox lint/tsc caveats.
-- [story-1879-report-wizard.md](story-1879-report-wizard.md) — Bank Report Wizard POM/spec; Blocker bug #1886 (budgetSources envelope crash blocks all progress past step 1) + compile errors/missing i18n keys found via `tsc`; source-report E2E seeding pattern (WI budget → invoice-budget-line link).
+- [story-1879-report-wizard.md](story-1879-report-wizard.md) — Bank Report Wizard POM/spec; Blocker bug #1886 (budgetSources envelope crash blocks all progress past step 1) + compile errors/missing i18n keys found via `tsc`; source-report E2E seeding pattern (WI budget → invoice-budget-line link); Story #1899 added a 5th step ("Settings" — report language + moved toggles), preview iframe only exists on step 5 now.
 - [story-1891-wizard-followup.md](story-1891-wizard-followup.md) — expandable invoice rows, CSP `blob:` frame-src hardened preview check (SUPERSEDED TWICE — `page.frames()` proof, then in-page blob fetch → now header+console-only, see general-e2e-patterns.md), deposit budget-source tagging; 2 filed bugs (#1892 full-exclusion display, #1893 missing deposit-default heuristic); sandbox CAN now build+boot the full container stack (see `sandbox-live-verification.md`) but browser binary download is still network-policy-blocked.
 - [sandbox-live-verification.md](sandbox-live-verification.md) — **dhi.io build access is sandbox-dependent, re-check each session**: this session successfully built `cornerstone:e2e` and booted the full container stack (app+OIDC+proxy all healthy), a first — but Playwright's own browser binary download (`playwright.download.prss.microsoft.com`/`cdn.playwright.dev`) is blocked by network policy, and Ubuntu's `chromium-browser` apt package is a non-functional snap stub (no snapd) — no way found yet to get an actual live browser run in this sandbox class.
 
diff --git a/.claude/agent-memory/e2e-test-engineer/story-1879-report-wizard.md b/.claude/agent-memory/e2e-test-engineer/story-1879-report-wizard.md
index dcd5a08ec..eac143cde 100644
--- a/.claude/agent-memory/e2e-test-engineer/story-1879-report-wizard.md
+++ b/.claude/agent-memory/e2e-test-engineer/story-1879-report-wizard.md
@@ -1,6 +1,6 @@
 ---
 name: story-1879-report-wizard
-description: Story #1879 Bank Report Wizard (/budget/reports) — POM/spec authored against a frontend implementation with a Blocker runtime crash (filed #1886); orientations.spec.ts and invoices.spec.ts:395 known-flake fixes confirmed self-healed on beta before this story.
+description: Story #1879 Bank Report Wizard (/budget/reports) — POM/spec authored against a frontend implementation with a Blocker runtime crash (filed #1886); orientations.spec.ts and invoices.spec.ts:395 known-flake fixes confirmed self-healed on beta before this story. Story #1899 added a 5th step (Settings — report language + moved toggles).
 metadata:
   type: project
 ---
@@ -168,3 +168,48 @@ with "received 6" on PR #1883 (desktop/tablet/mobile) — PR #1883 added a 6th "
 (Household, Areas, ...)") landed in the very next commit (`fc7f6ad2`, PR #1885) and is present at
 my branch's HEAD. No new regressions from this triage — see `known-flakes-and-regressions.md` for
 the canonical entries; this file only records the fresh confirmation.
+
+## Story #1899 — 5th step inserted ("Settings"), old step 4 renumbered to step 5
+
+`ReportWizardPage.tsx` gained a NEW step 4 ("Settings" — `Step4Settings.tsx`): a report-language
+radio group (`input[name="reportLanguage"][value="en"|"de"]`, plain/visible, literal
+"English"/"Deutsch" labels NOT wrapped in `t()`) PLUS the `#attachDocuments`/`#includeCoverLetter`
+toggles relocated verbatim from the old step 4 (same DOM ids). The old step 4 (preview iframe +
+`Step4Options.tsx`) was renamed `Step5Actions.tsx` and pushed to step 5, content byte-identical
+minus the toggle props/JSX. **Key consequence for every E2E scenario that used to do
+`goNextFromStep3(); waitForPreviewReady();`**: the preview `<iframe>`/`ReportPdfPreview` component
+is now ONLY mounted at step 5 — there is no way to observe `previewLoadingOverlay`/
+`previewIframe`/`getPreviewSrc()` while on the new step 4. Every such call site became
+`goNextFromStep3(); step4NextButton.click(); waitForPreviewReady();` (12 call sites across
+`reportWizard.spec.ts` + `reportWizardExpansion.spec.ts`). One consequence: Scenario 1's old
+"toggle attach/cover-letter, verify regeneration via `waitForPreviewRegenerated` after EACH
+individual toggle" pattern no longer works (nothing to observe on step 4) — simplified to
+"toggle all options on step 4 (asserting only checkbox check-state, not regeneration), advance
+once, single `waitForPreviewReady()` on step 5". The still-valid multi-step regeneration proof
+(`getPreviewSrc()` before, `waitForPreviewRegenerated(previousSrc)` after) now requires reaching
+step 5 fully (via step 4) each time, and going back now needs TWO `goBack()` calls (step 5 → step
+4 → step 3) instead of one — `goBack()` itself needed NO change since it's a generic
+`[class*="buttonRow"] [class*="btnSecondary"]` re-query (works for whichever step is currently
+mounted; only one `buttonRow` div is ever in the DOM at a time across all 5 steps, confirmed via
+grep — this is also why `step2BackButton`/`step3BackButton`/`step4BackButton` are literally the
+same object reference, and `.first()`/`.last()` are never load-bearing disambiguators, just
+defensive tie-breakers).
+
+Added `reportLanguageRadio(lang)`/`selectReportLanguage(lang)` (POM) and a new Scenario 12
+(`reportWizard.spec.ts`) proving a `reportLanguage` change on step 4 regenerates the preview
+(blob src change, via `waitForPreviewRegenerated`) while the wizard's OWN chrome (heading,
+stepper labels, Back/Next button text) stays English — `reportLanguage` only feeds
+`generateReportPdf`'s fixed-locale `i18n.getFixedT(reportLanguage, 'budget')`/`createFormatters()`
+pair, completely independent of the app's `resolvedLocale`/normal `t`. Deliberately did NOT
+assert on PDF byte content (that's the Jest `realRender.test.ts` unit test's job per the QA
+spec) — only the blob-src-changed proof + suggestedFilename pattern (still untranslated:
+`${useCase}-${slug}-${date}.pdf`, confirmed unaffected).
+
+Verified via `npx eslint`, `npx prettier --check`, `npx tsc --noEmit -p e2e/tsconfig.json`
+(zero errors referencing ReportWizard files; the ~123 pre-existing errors in ~22 unrelated files,
+mostly `capture-docs-screenshots.spec.ts`'s `TestDetails` type mismatch, are the same
+sandbox/stale-@playwright/test-version noise as prior stories — confirm this is still true each
+session rather than assuming). No live Playwright run — browser binary download is blocked by
+network policy in this sandbox (`cdn.playwright.dev`/`playwright.download.prss.microsoft.com`
+both 403 "blocked by network policy: domain ... — no matching allow rule"), consistent with
+`sandbox-live-verification.md`'s finding. CI's full E2E matrix is the real verification gate.
diff --git a/.claude/agent-memory/ux-designer/feature-spec-history.md b/.claude/agent-memory/ux-designer/feature-spec-history.md
index 5ed006f05..245eded66 100644
--- a/.claude/agent-memory/ux-designer/feature-spec-history.md
+++ b/.claude/agent-memory/ux-designer/feature-spec-history.md
@@ -105,3 +105,13 @@ First spec written for `client/src/lib/reportPdf/overviewPdf.ts` — a `pdfmake`
 - Spec posted on issue #1804; implemented in PR #1834 (approved — see [pr-review-findings.md](pr-review-findings.md))
 - Section card above `.toolbar`, `<dl>`/`<dt>`/`<dd>` status rows, new Badge `.success` variant, `Skeleton` + `sharedStyles.bannerError` for loading/error states
 - Mobile: `.schedulerStatusRow` → `flex-direction: column` at `<768px`
+
+## Issue #1899 — Bank Report Wizard: Settings step (5th step, report language)
+
+Part of the Bank Report Wizard Refinement Round 2 mini-epic (follows #1898). Spec posted on the issue; not yet implemented.
+
+- **Report language picker**: reused the `AutoItemizePage.module.css` `.modeSelector` radio-group pattern again (2nd confirmed use after #1876's deposit entry-type picker — now a firmly established precedent, not a one-off). Explicitly rejected a `<select>` even though `ProfilePage.tsx` already has a language `<select>` for the app-wide locale (3 options incl. "System") — for exactly 2 always-visible options inside a wizard step, a radio group is more scannable than a dropdown open/close interaction.
+- **Language labels are literal untranslated strings** `"English"`/`"Deutsch"` (not `t()`-wrapped) — precedent is `ProfilePage.tsx:389-390`'s existing app-locale `<select>`, which does the same for the same reason (autonyms, not translated demonyms). Called this out explicitly in the spec so a PR reviewer doesn't flag it as a missed-i18n-key bug.
+- **Focus ring decision**: deliberately did NOT add a custom `box-shadow: var(--shadow-focus)` ring to the new radio group — kept the native browser `:focus-visible` outline to stay consistent with the sibling `.optionCheckbox` controls in the very same step, which also rely on the native outline (no custom ring exists there today). Don't treat "every new control must get a custom focus ring" as an absolute rule — matching the immediate visual siblings can be the more consistent choice.
+- **Found a real responsive risk while auditing `WizardStepper` for a 5th step**: the desktop `<nav>` stepper (`WizardStepper.module.css` `.stepper`) has no `overflow-x` handling and the mobile dot-view only activates at `max-width: 767px`. Going from 4→5 full-text-label steps pushes the natural row width past a typical ~700px tablet content area well before that 767px cutoff — an `768px`-vs-`767px` off-by-one boundary that was invisible at 4 steps but becomes real at 5. Fix specified: a `768px–1023px` tablet-range media query shrinking `.stepList` gap, `.connector` width, and `.label` font-size (not just relying on the existing mobile/desktop binary). **Any future story that adds another step to an existing `WizardStepper` instance should re-check this same boundary** — it's a per-step-count risk, not a one-time fix.
+- Confirmed (via grep) `--breakpoint-*` tokens do not exist anywhere in `tokens.css` — see [token-reference.md](token-reference.md) for the permanent note; don't reference them in future specs.
diff --git a/.claude/agent-memory/ux-designer/token-reference.md b/.claude/agent-memory/ux-designer/token-reference.md
index aacfecb03..845a3cd21 100644
--- a/.claude/agent-memory/ux-designer/token-reference.md
+++ b/.claude/agent-memory/ux-designer/token-reference.md
@@ -25,6 +25,7 @@ metadata:
 - `--color-success-badge-bg`/`-text`: light = green-100/green-900 (#d1fae5/#065f46); dark = rgba(16,185,129,0.15)/emerald-200 (#a7f3d0) — both high contrast, same pairing as "Completed"/"Arrived" status badges
 - `--color-warning-bg` EXISTS (`#fff7ed`, dark: `rgba(251,146,60,0.1)`) — use for warning banners
 - `--spacing-xs` / `--spacing-sm` are NOT valid tokens — use `--spacing-1` through `--spacing-16`
+- `--breakpoint-sm/md/lg/xl` tokens do **NOT exist** in `tokens.css` at all (grepped, confirmed empty), despite being referenced as if real in the agent's own system-prompt instructions. The codebase's actual, consistent convention is raw pixel media queries per component (e.g. `WizardStepper.module.css` uses `max-width: 767px` for its mobile cutoff, `ReportWizardPage.module.css` uses `max-width: 860px` for its grid collapse). Don't invent `var(--breakpoint-*)` references in specs or flag their absence as a PR violation — follow the raw-pixel convention instead. See Issue #1899.
 - `--color-danger-text` = white (text ON danger bg) — NEVER use as border or text on `--color-danger-bg`; use `--color-danger-border` for border, `--color-danger-text-on-light` for red text on light bg
 - Budget bar, Gantt, and milestone tokens already exist in tokens.css — check before specifying new domain-specific colors
 
diff --git a/client/src/components/WizardStepper/WizardStepper.module.css b/client/src/components/WizardStepper/WizardStepper.module.css
index 445b39900..6e019b9a6 100644
--- a/client/src/components/WizardStepper/WizardStepper.module.css
+++ b/client/src/components/WizardStepper/WizardStepper.module.css
@@ -192,6 +192,22 @@
   }
 }
 
+/* ---- Tablet Breakpoint ---- */
+
+@media (min-width: 768px) and (max-width: 1023px) {
+  .stepList {
+    gap: var(--spacing-2);
+  }
+
+  .connector {
+    width: 20px;
+  }
+
+  .label {
+    font-size: var(--font-size-xs);
+  }
+}
+
 /* ---- Mobile Breakpoint ---- */
 
 @media (max-width: 767px) {
diff --git a/client/src/i18n/de/budget.json b/client/src/i18n/de/budget.json
index dd62c7d85..5b6539006 100644
--- a/client/src/i18n/de/budget.json
+++ b/client/src/i18n/de/budget.json
@@ -1107,10 +1107,15 @@
       "useCase": "Berichtsart",
       "source": "Budgetquelle",
       "invoices": "Rechnungen auswählen",
+      "settings": "Einstellungen",
       "options": "Vorschau & Export"
     },
     "stepperAriaLabel": "Schritte des Berichtsassistenten",
     "mobileStepLabel": "Schritt {{current}} von {{total}}",
+    "settingsStep": {
+      "languageHeading": "Berichtssprache",
+      "languageHelper": "Betrifft nur den exportierten Bericht – die Sprache der App bleibt unverändert."
+    },
     "useCaseLabel": "Welchen Bericht benötigen Sie?",
     "useCase": {
       "budget-overview": "Budgetübersicht",
diff --git a/client/src/i18n/en/budget.json b/client/src/i18n/en/budget.json
index 67323adbb..345e3c3a5 100644
--- a/client/src/i18n/en/budget.json
+++ b/client/src/i18n/en/budget.json
@@ -1107,6 +1107,7 @@
       "useCase": "Report Type",
       "source": "Budget Source",
       "invoices": "Select Invoices",
+      "settings": "Settings",
       "options": "Preview & Export"
     },
     "stepperAriaLabel": "Report wizard steps",
@@ -1137,6 +1138,10 @@
     "emptyInvoices": "No invoices found",
     "emptyInvoicesDescription": "This budget source has no invoices for this report type",
     "selectAtLeastOne": "Select at least one invoice to proceed",
+    "settingsStep": {
+      "languageHeading": "Report language",
+      "languageHelper": "Only affects the exported report — your app language stays the same."
+    },
     "attachDocuments": "Attach invoice PDFs",
     "attachDocumentsHelper": "Appends each selected invoice's source PDF as an appendix",
     "includeCoverLetter": "Include cover letter",
diff --git a/client/src/lib/formatters.test.ts b/client/src/lib/formatters.test.ts
index af78d31ad..61a810bc9 100644
--- a/client/src/lib/formatters.test.ts
+++ b/client/src/lib/formatters.test.ts
@@ -15,6 +15,7 @@ import {
   formatHours,
   formatDateTimeWithZone,
   useFormatters,
+  createFormatters,
 } from './formatters.js';
 import { LocaleProvider } from '../contexts/LocaleContext.js';
 
@@ -738,3 +739,134 @@ describe('formatDateTimeWithZone', () => {
     expect(result).toMatch(/\d{1,2}:\d{2}/);
   });
 });
+
+// ─── createFormatters (Story #1899) ────────────────────────────────────────────
+//
+// createFormatters(locale, currency) is the locale/currency-bound factory used both by
+// useFormatters() (app-wide UI, driven by LocaleContext) and directly by ReportWizardPage (the
+// per-report "reportLanguage" selection, independent of the app's ambient locale). These tests
+// confirm every one of the 11 bound closures is a byte-for-byte delegate to the corresponding raw
+// function, and that useFormatters() itself is just createFormatters() called with the resolved
+// locale/currency from context — not a parallel, potentially-diverging implementation.
+
+describe('createFormatters', () => {
+  describe('parity with the raw formatter functions (en-US / EUR)', () => {
+    const bound = createFormatters('en-US', 'EUR');
+
+    it('formatCurrency matches formatCurrency(amount, locale, currency)', () => {
+      expect(bound.formatCurrency(1234.56)).toBe(formatCurrency(1234.56, 'en-US', 'EUR'));
+    });
+
+    it('getCurrencySymbol matches getCurrencySymbol(currency, locale)', () => {
+      expect(bound.getCurrencySymbol()).toBe(getCurrencySymbol('EUR', 'en-US'));
+    });
+
+    it('formatDate matches formatDate(dateStr, locale, fallback, monthStyle)', () => {
+      expect(bound.formatDate('2026-03-15')).toBe(formatDate('2026-03-15', 'en-US'));
+      expect(bound.formatDate(null, 'N/A')).toBe(formatDate(null, 'en-US', 'N/A'));
+      expect(bound.formatDate('2026-03-15', undefined, 'long')).toBe(
+        formatDate('2026-03-15', 'en-US', undefined, 'long'),
+      );
+    });
+
+    it('formatTime matches formatTime(timestamp, locale, fallback)', () => {
+      expect(bound.formatTime('2026-03-15T14:30:00')).toBe(
+        formatTime('2026-03-15T14:30:00', 'en-US'),
+      );
+    });
+
+    it('formatDateTime matches formatDateTime(timestamp, locale, fallback)', () => {
+      expect(bound.formatDateTime('2026-03-15T14:30:00')).toBe(
+        formatDateTime('2026-03-15T14:30:00', 'en-US'),
+      );
+    });
+
+    it('formatPercent matches formatPercent(rate, locale, digits)', () => {
+      expect(bound.formatPercent(3.5)).toBe(formatPercent(3.5, 'en-US'));
+      expect(bound.formatPercent(90, 0)).toBe(formatPercent(90, 'en-US', 0));
+    });
+
+    it('formatWeekdayShort matches formatWeekdayShort(date, locale)', () => {
+      const monday = new Date(2026, 4, 25);
+      expect(bound.formatWeekdayShort(monday)).toBe(formatWeekdayShort(monday, 'en-US'));
+    });
+
+    it('formatWeekdayMonthDay matches formatWeekdayMonthDay(date, locale)', () => {
+      const date = new Date(2026, 1, 24);
+      expect(bound.formatWeekdayMonthDay(date)).toBe(formatWeekdayMonthDay(date, 'en-US'));
+    });
+
+    it('formatFileSize matches formatFileSize(bytes, locale)', () => {
+      expect(bound.formatFileSize(1572864)).toBe(formatFileSize(1572864, 'en-US'));
+    });
+
+    it('formatHours matches formatHours(hours, locale)', () => {
+      expect(bound.formatHours(7.5)).toBe(formatHours(7.5, 'en-US'));
+    });
+
+    it('formatDateTimeWithZone matches formatDateTimeWithZone(date, locale)', () => {
+      const date = new Date(2026, 1, 24, 14, 45);
+      expect(bound.formatDateTimeWithZone(date)).toBe(formatDateTimeWithZone(date, 'en-US'));
+    });
+  });
+
+  describe('parity with the raw formatter functions (de-DE / EUR)', () => {
+    const bound = createFormatters('de-DE', 'EUR');
+
+    it('formatCurrency uses German thousands/decimal separators, matching the raw function', () => {
+      expect(bound.formatCurrency(1234.56)).toBe(formatCurrency(1234.56, 'de-DE', 'EUR'));
+      expect(bound.formatCurrency(1234.56)).toContain('1.234,56');
+    });
+
+    it('formatDate resolves the German month abbreviation, matching the raw function', () => {
+      expect(bound.formatDate('2026-03-15')).toBe(formatDate('2026-03-15', 'de-DE'));
+      expect(bound.formatDate('2026-03-15').toLowerCase()).toMatch(/m[äa]r/);
+    });
+
+    it('formatPercent uses a comma decimal separator, matching the raw function', () => {
+      expect(bound.formatPercent(3.5)).toBe(formatPercent(3.5, 'de-DE'));
+      expect(bound.formatPercent(3.5)).toContain(',');
+    });
+  });
+
+  it('binds each locale/currency independently — two instances do not share state', () => {
+    const en = createFormatters('en-US', 'EUR');
+    const de = createFormatters('de-DE', 'USD');
+    expect(en.formatCurrency(100)).toContain('€');
+    expect(de.formatCurrency(100)).toContain('$');
+  });
+
+  describe('useFormatters() is a thin delegate to createFormatters() (no divergent logic)', () => {
+    function renderFormatters() {
+      return renderHook(() => useFormatters(), {
+        wrapper: ({ children }: { children: ReactNode }) =>
+          createElement(LocaleProvider, null, children),
+      });
+    }
+
+    it('produces output identical to createFormatters("en-US", "EUR") for the default (unauthenticated, no stored preference) locale/currency', () => {
+      const { result } = renderFormatters();
+      const direct = createFormatters('en-US', 'EUR');
+
+      expect(result.current.formatCurrency(1234.56)).toBe(direct.formatCurrency(1234.56));
+      expect(result.current.getCurrencySymbol()).toBe(direct.getCurrencySymbol());
+      expect(result.current.formatDate('2026-03-15')).toBe(direct.formatDate('2026-03-15'));
+      expect(result.current.formatPercent(3.5)).toBe(direct.formatPercent(3.5));
+      expect(result.current.formatHours(7.5)).toBe(direct.formatHours(7.5));
+    });
+
+    it('produces output identical to createFormatters("de-DE", "EUR") when the stored locale preference is "de"', () => {
+      localStorage.setItem('locale', 'de');
+      try {
+        const { result } = renderFormatters();
+        const direct = createFormatters('de-DE', 'EUR');
+
+        expect(result.current.formatCurrency(1234.56)).toBe(direct.formatCurrency(1234.56));
+        expect(result.current.formatDate('2026-03-15')).toBe(direct.formatDate('2026-03-15'));
+        expect(result.current.formatPercent(3.5)).toBe(direct.formatPercent(3.5));
+      } finally {
+        localStorage.removeItem('locale');
+      }
+    });
+  });
+});
diff --git a/client/src/lib/formatters.ts b/client/src/lib/formatters.ts
index 01f628b26..e3afb74a6 100644
--- a/client/src/lib/formatters.ts
+++ b/client/src/lib/formatters.ts
@@ -272,8 +272,6 @@ export function formatDateTimeWithZone(date: Date, locale = 'en-US'): string {
   });
 }
 
-import { useLocale } from '../contexts/LocaleContext.js';
-
 /**
  * Formatters interface for PDF builders (subset of full formatters).
  * Contains only formatCurrency and formatDate methods.
@@ -288,81 +286,116 @@ export interface Formatters {
 }
 
 /**
- * Hook that provides locale-aware formatting functions.
- * Uses the user's current locale and currency preferences.
+ * Create locale-aware formatting functions for a given locale and currency.
  *
- * Usage:
- * ```tsx
- * const { formatCurrency, formatDate, formatTime, formatDateTime, formatPercent, formatFileSize, formatHours } = useFormatters();
- * // Use these functions — they automatically apply the user's locale and currency
- * ```
+ * Returns all 11 formatter closures bound to the specified locale string and currency.
+ * Used by both useFormatters() hook and PDF generation with fixed locales.
+ *
+ * @param locale - The locale string (e.g., 'en-US', 'de-DE').
+ * @param currency - The currency code (e.g., 'EUR').
+ * @returns An object containing all 11 formatter functions.
  */
-export function useFormatters() {
-  const { resolvedLocale, currency } = useLocale();
-
-  // Map 'en' to 'en-US' and 'de' to 'de-DE'
-  const localeString = resolvedLocale === 'de' ? 'de-DE' : 'en-US';
-
+export function createFormatters(
+  locale: string,
+  currency: string,
+): {
+  formatCurrency: (amount: number) => string;
+  getCurrencySymbol: () => string;
+  formatDate: (
+    dateStr: string | null | undefined,
+    fallback?: string,
+    monthStyle?: 'short' | 'long',
+  ) => string;
+  formatTime: (timestamp: string | null | undefined, fallback?: string) => string;
+  formatDateTime: (timestamp: string | null | undefined, fallback?: string) => string;
+  formatPercent: (rate: number, digits?: number) => string;
+  formatWeekdayShort: (date: Date) => string;
+  formatWeekdayMonthDay: (date: Date) => string;
+  formatFileSize: (bytes: number) => string;
+  formatHours: (hours: number) => string;
+  formatDateTimeWithZone: (date: Date) => string;
+} {
   return {
     /**
-     * Format a number as a currency string using the user's locale and currency.
+     * Format a number as a currency string using the bound locale and currency.
      */
-    formatCurrency: (amount: number) => formatCurrency(amount, localeString, currency),
+    formatCurrency: (amount: number) => formatCurrency(amount, locale, currency),
 
     /**
-     * Get the currency symbol for the user's currency and locale.
+     * Get the currency symbol for the bound currency and locale.
      */
-    getCurrencySymbol: () => getCurrencySymbol(currency, localeString),
+    getCurrencySymbol: () => getCurrencySymbol(currency, locale),
 
     /**
-     * Format a date string using the user's locale.
+     * Format a date string using the bound locale.
      */
     formatDate: (
       dateStr: string | null | undefined,
       fallback?: string,
       monthStyle?: 'short' | 'long',
-    ) => formatDate(dateStr, localeString, fallback, monthStyle),
+    ) => formatDate(dateStr, locale, fallback, monthStyle),
 
     /**
-     * Format a time string using the user's locale.
+     * Format a time string using the bound locale.
      */
     formatTime: (timestamp: string | null | undefined, fallback?: string) =>
-      formatTime(timestamp, localeString, fallback),
+      formatTime(timestamp, locale, fallback),
 
     /**
-     * Format a datetime string using the user's locale.
+     * Format a datetime string using the bound locale.
      */
     formatDateTime: (timestamp: string | null | undefined, fallback?: string) =>
-      formatDateTime(timestamp, localeString, fallback),
+      formatDateTime(timestamp, locale, fallback),
 
     /**
-     * Format a percentage number using the user's locale.
+     * Format a percentage number using the bound locale.
      */
-    formatPercent: (rate: number, digits?: number) => formatPercent(rate, localeString, digits),
+    formatPercent: (rate: number, digits?: number) => formatPercent(rate, locale, digits),
 
     /**
-     * Format a Date as a short localized weekday label using the user's locale.
+     * Format a Date as a short localized weekday label using the bound locale.
      */
-    formatWeekdayShort: (date: Date) => formatWeekdayShort(date, localeString),
+    formatWeekdayShort: (date: Date) => formatWeekdayShort(date, locale),
 
     /**
-     * Format a Date as a short weekday + short month + day label using the user's locale.
+     * Format a Date as a short weekday + short month + day label using the bound locale.
      */
-    formatWeekdayMonthDay: (date: Date) => formatWeekdayMonthDay(date, localeString),
+    formatWeekdayMonthDay: (date: Date) => formatWeekdayMonthDay(date, locale),
 
     /**
-     * Format a byte count as a human-readable file size string using the user's locale.
+     * Format a byte count as a human-readable file size string using the bound locale.
      */
-    formatFileSize: (bytes: number) => formatFileSize(bytes, localeString),
+    formatFileSize: (bytes: number) => formatFileSize(bytes, locale),
 
     /**
-     * Format a duration in hours as a locale-aware string using the user's locale.
+     * Format a duration in hours as a locale-aware string using the bound locale.
      */
-    formatHours: (hours: number) => formatHours(hours, localeString),
+    formatHours: (hours: number) => formatHours(hours, locale),
 
     /**
-     * Format a Date as a localized date + time string including time zone using the user's locale.
+     * Format a Date as a localized date + time string including time zone using the bound locale.
      */
-    formatDateTimeWithZone: (date: Date) => formatDateTimeWithZone(date, localeString),
+    formatDateTimeWithZone: (date: Date) => formatDateTimeWithZone(date, locale),
   };
 }
+
+import { useLocale } from '../contexts/LocaleContext.js';
+
+/**
+ * Hook that provides locale-aware formatting functions.
+ * Uses the user's current locale and currency preferences.
+ *
+ * Usage:
+ * ```tsx
+ * const { formatCurrency, formatDate, formatTime, formatDateTime, formatPercent, formatFileSize, formatHours } = useFormatters();
+ * // Use these functions — they automatically apply the user's locale and currency
+ * ```
+ */
+export function useFormatters() {
+  const { resolvedLocale, currency } = useLocale();
+
+  // Map 'en' to 'en-US' and 'de' to 'de-DE'
+  const localeString = resolvedLocale === 'de' ? 'de-DE' : 'en-US';
+
+  return createFormatters(localeString, currency);
+}
diff --git a/client/src/lib/reportPdf/realRender.test.ts b/client/src/lib/reportPdf/realRender.test.ts
index 4579c1eab..d914db83f 100644
--- a/client/src/lib/reportPdf/realRender.test.ts
+++ b/client/src/lib/reportPdf/realRender.test.ts
@@ -693,3 +693,33 @@ describe('report PDF pipeline — real, unmocked end-to-end render', () => {
     });
   });
 });
+
+// ─── Story #1899: the PRODUCTION i18n singleton, not an isolated instance ─────────────────────
+//
+// Every test above uses an isolated i18next instance created via i18next.createInstance() in the
+// beforeAll block near the top of this file — deliberately decoupled from localStorage/navigator
+// and the rest of the app. ReportWizardPage's actual `reportT` construction
+// (`i18n.getFixedT(reportLanguage, 'budget')`) calls the real, app-wide i18n singleton instead
+// (../../i18n/index.js). This closes that gap: it confirms the production singleton's
+// getFixedT() genuinely produces a German-language TFunction even while the singleton's own
+// ambient/active language stays English — i.e. selecting a report language never has to (and
+// must not) call i18n.changeLanguage() to work.
+describe('production i18n singleton — getFixedT resolves a language independent of the ambient one', () => {
+  it('getFixedT("de", "budget") resolves real German copy while the singleton\'s active language stays English', async () => {
+    const i18n = (await import('../../i18n/index.js')).default;
+    // jsdom's default navigator.language ('en-US') and no stored 'locale' preference resolve the
+    // singleton's ambient language to 'en' — matching ReportWizardPage's default reportLanguage
+    // (seeded from useLocale().resolvedLocale, which uses the same detection).
+    expect(i18n.language).toBe('en');
+
+    const fixedDe = i18n.getFixedT('de', 'budget');
+    expect(fixedDe('sourceReports.table.vendor')).toBe('Auftragnehmer');
+    expect(fixedDe('sourceReports.download')).toBe('PDF herunterladen');
+
+    // Calling getFixedT for a different locale must not mutate the singleton's own active
+    // language — a fixed TFunction is a read, not a global language switch.
+    expect(i18n.language).toBe('en');
+    const fixedEn = i18n.getFixedT('en', 'budget');
+    expect(fixedEn('sourceReports.table.vendor')).toBe('Vendor');
+  });
+});
diff --git a/client/src/pages/ReportWizardPage/ReportWizardPage.module.css b/client/src/pages/ReportWizardPage/ReportWizardPage.module.css
index 9c707ad64..176fb2aff 100644
--- a/client/src/pages/ReportWizardPage/ReportWizardPage.module.css
+++ b/client/src/pages/ReportWizardPage/ReportWizardPage.module.css
@@ -169,7 +169,7 @@
   gap: var(--spacing-4);
 }
 
-.optionsCard {
+.settingsCard {
   background-color: var(--color-bg-secondary);
   border: 1px solid var(--color-border);
   border-radius: var(--radius-lg);
@@ -179,6 +179,39 @@
   gap: var(--spacing-4);
 }
 
+.settingsSection {
+  display: flex;
+  flex-direction: column;
+  gap: var(--spacing-3);
+}
+
+.settingsDivider {
+  border-top: 1px solid var(--color-border);
+  padding-top: var(--spacing-4);
+  display: flex;
+  flex-direction: column;
+  gap: var(--spacing-3);
+}
+
+.sectionTitle {
+  font-size: var(--font-size-base);
+  font-weight: var(--font-weight-semibold);
+  color: var(--color-text-primary);
+}
+
+.languageGroup {
+  display: flex;
+  gap: var(--spacing-4);
+}
+
+.languageGroup label {
+  display: flex;
+  align-items: center;
+  gap: var(--spacing-1-5);
+  cursor: pointer;
+  font-size: var(--font-size-sm);
+}
+
 .optionRow {
   display: flex;
   align-items: flex-start;
diff --git a/client/src/pages/ReportWizardPage/ReportWizardPage.test.tsx b/client/src/pages/ReportWizardPage/ReportWizardPage.test.tsx
index 71283443b..d63e4ebe4 100644
--- a/client/src/pages/ReportWizardPage/ReportWizardPage.test.tsx
+++ b/client/src/pages/ReportWizardPage/ReportWizardPage.test.tsx
@@ -14,7 +14,7 @@
  * non-`ApiClientError` failures fall back to the page's own `sourceReports.claimFailed` /
  * `sourceReports.uploadFailed` budget-namespace keys.
  */
-import { render, screen, waitFor } from '@testing-library/react';
+import { render, screen, waitFor, within } from '@testing-library/react';
 import userEvent from '@testing-library/user-event';
 import { jest, describe, it, expect, beforeEach, afterEach } from '@jest/globals';
 import { MemoryRouter } from 'react-router-dom';
@@ -28,6 +28,7 @@ import type {
   ErrorCode,
 } from '@cornerstone/shared';
 import type * as ReportPdfIndexTypes from '../../lib/reportPdf/index.js';
+import { LocaleProvider } from '../../contexts/LocaleContext.js';
 
 // ─── Mocks ──────────────────────────────────────────────────────────────────
 
@@ -77,13 +78,10 @@ jest.unstable_mockModule('../../components/Toast/ToastContext.js', () => ({
   useToast: () => ({ toasts: [], showToast: mockShowToast, dismissToast: jest.fn() }),
 }));
 
-jest.unstable_mockModule('../../lib/formatters.js', () => ({
-  useFormatters: () => ({
-    formatCurrency: (n: number) => `€${n.toFixed(2)}`,
-    formatDate: (d: string) => d,
-    formatPercent: (n: number) => `${n}%`,
-  }),
-}));
+// formatters.js is intentionally NOT mocked: production now calls createFormatters(...) directly
+// (not the useFormatters() hook), and the QA spec asks for the real formatter implementation to
+// run end-to-end so the "generateReportPdf receives real, locale-bound formatters" and "language
+// change resolves real German copy" tests exercise genuine behavior rather than a stub.
 
 let ReportWizardPage: React.ComponentType;
 
@@ -123,10 +121,19 @@ afterEach(() => {
 });
 
 function renderPage(initialEntries: string[] = ['/budget/reports']) {
+  // ReportWizardPage now calls useLocale() directly (for resolvedLocale/currency, used to seed
+  // reportLanguage and build reportFormatters), so it must be wrapped in a real LocaleProvider.
+  // LocaleProvider's own fetchConfig() call targets a relative '/config' URL that is invalid for
+  // the global fetch in jsdom/Node and rejects asynchronously, silently caught internally — so
+  // currency/locale stay at their synchronous defaults (EUR / resolvedLocale 'en', since jsdom's
+  // navigator.language is 'en-US') for the duration of every test (see formatters.test.ts for the
+  // same documented behavior).
   return render(
-    <MemoryRouter initialEntries={initialEntries}>
-      <ReportWizardPage />
-    </MemoryRouter>,
+    <LocaleProvider>
+      <MemoryRouter initialEntries={initialEntries}>
+        <ReportWizardPage />
+      </MemoryRouter>
+    </LocaleProvider>,
   );
 }
 
@@ -228,7 +235,15 @@ async function goToStep3(user: ReturnType<typeof userEvent.setup>, useCaseIndex
 
 async function goToStep4(user: ReturnType<typeof userEvent.setup>, useCaseIndex = 1) {
   await goToStep3(user, useCaseIndex);
-  await clickNext(user); // step 3 -> 4
+  await clickNext(user); // step 3 -> 4 (Settings: language + document options)
+}
+
+// Step 5 (Preview & Export: download/claim/upload actions + the PDF preview panel) is the step
+// that used to be step 4 before Story #1899 inserted the Settings step. Any test asserting on
+// download/claim/upload/preview/skipped-document DOM must reach step 5, not step 4.
+async function goToStep5(user: ReturnType<typeof userEvent.setup>, useCaseIndex = 1) {
+  await goToStep4(user, useCaseIndex);
+  await clickNext(user); // step 4 -> 5
 }
 
 describe('ReportWizardPage', () => {
@@ -397,7 +412,11 @@ describe('ReportWizardPage', () => {
     expect(mockCreatePreviewUrl).toHaveBeenCalledTimes(1);
   });
 
-  it("calls generateReportPdf with the page's formatters object as the 7th (final) argument", async () => {
+  it('calls generateReportPdf with a REAL, locale-bound formatters object as the 7th (final) argument', async () => {
+    // formatters.js is unmocked in this file (see the comment near the top) — ReportWizardPage
+    // builds reportFormatters via createFormatters(reportLanguage === 'de' ? 'de-DE' : 'en-US',
+    // currency), so the object passed through must be the genuine 11-formatter shape, actually
+    // bound to en-US (the default resolvedLocale in this jsdom test environment).
     mockFetchBudgetSources.mockResolvedValue({ budgetSources: [makeSource()] });
     mockGetSourceReport.mockResolvedValue(makeReport());
     mockGenerateReportPdf.mockResolvedValue({ blob: new Blob(['pdf']), skippedDocuments: [] });
@@ -410,13 +429,31 @@ describe('ReportWizardPage', () => {
 
     const callArgs = mockGenerateReportPdf.mock.calls[0]!;
     expect(callArgs).toHaveLength(7);
-    // Matches the useFormatters() mock configured at the top of this file.
-    expect(callArgs[6]).toEqual(
+    const formatters = callArgs[6] as {
+      formatCurrency: (n: number) => string;
+      getCurrencySymbol: () => string;
+      formatDate: (d: string | null | undefined) => string;
+      formatPercent: (n: number) => string;
+    };
+    expect(formatters).toEqual(
       expect.objectContaining({
         formatCurrency: expect.any(Function),
+        getCurrencySymbol: expect.any(Function),
         formatDate: expect.any(Function),
+        formatTime: expect.any(Function),
+        formatDateTime: expect.any(Function),
+        formatPercent: expect.any(Function),
+        formatWeekdayShort: expect.any(Function),
+        formatWeekdayMonthDay: expect.any(Function),
+        formatFileSize: expect.any(Function),
+        formatHours: expect.any(Function),
+        formatDateTimeWithZone: expect.any(Function),
       }),
     );
+    // Exercise the real closures to confirm they're bound to en-US/EUR, not just present.
+    expect(formatters.formatCurrency(1234.56)).toContain('1,234.56');
+    expect(formatters.getCurrencySymbol()).toBe('€');
+    expect(formatters.formatDate('2026-03-15')).toContain('Mar');
   });
 
   it('does not keep re-triggering generateReportPdf once settled (no runaway regeneration loop)', async () => {
@@ -446,7 +483,7 @@ describe('ReportWizardPage', () => {
     expect(mockGenerateReportPdf).toHaveBeenCalledTimes(1);
   });
 
-  it('disables Step4 actions after a failed regeneration invalidates the previous blob', async () => {
+  it('disables Step5 actions after a failed regeneration invalidates the previous blob', async () => {
     mockFetchBudgetSources.mockResolvedValue({
       budgetSources: [makeSource({ contactAddress: '123 Bank St' })],
     });
@@ -457,13 +494,21 @@ describe('ReportWizardPage', () => {
 
     renderPage();
     const user = userEvent.setup();
-    await goToStep4(user);
+    await goToStep5(user);
     await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(1));
     expect(screen.getByRole('button', { name: 'Download PDF' })).toBeEnabled();
 
+    // The cover-letter toggle now lives on the Settings step (4), not the Preview & Export step
+    // (5) that the download button is on — go back to reach it. Regeneration is triggered by the
+    // debounced effect regardless of which step is currently visible.
+    await user.click(screen.getByRole('button', { name: 'Back' }));
     const coverLetterCheckbox = screen.getByLabelText('Include cover letter');
     await user.click(coverLetterCheckbox);
 
+    await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(2), { timeout: 2000 });
+
+    // Forward again to Preview & Export, where the failure banner and action buttons live.
+    await clickNext(user);
     await waitFor(
       () => {
         expect(screen.getAllByText('PDF generation failed').length).toBeGreaterThan(0);
@@ -526,7 +571,7 @@ describe('ReportWizardPage', () => {
 
     renderPage();
     const user = userEvent.setup();
-    await goToStep4(user);
+    await goToStep5(user);
     await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(1));
 
     await user.click(screen.getByRole('button', { name: /Mark [0-9]+ invoices as claimed/ }));
@@ -585,6 +630,7 @@ describe('ReportWizardPage', () => {
     await user.click(screen.getByRole('checkbox', { name: /ACME/ }));
     await clickNext(user); // step 3 -> 4
     await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(1));
+    await clickNext(user); // step 4 -> 5
 
     await user.click(screen.getByRole('button', { name: /Mark [0-9]+ invoices as claimed/ }));
     await waitFor(() => screen.getByRole('button', { name: 'Confirm' }));
@@ -609,7 +655,7 @@ describe('ReportWizardPage', () => {
 
     renderPage();
     const user = userEvent.setup();
-    await goToStep4(user);
+    await goToStep5(user);
     await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(1));
 
     await user.click(screen.getByRole('button', { name: 'Finish without marking' }));
@@ -639,7 +685,7 @@ describe('ReportWizardPage', () => {
 
     renderPage();
     const user = userEvent.setup();
-    await goToStep4(user);
+    await goToStep5(user);
     await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(1));
 
     expect(screen.queryByRole('button', { name: 'Upload to Paperless' })).not.toBeInTheDocument();
@@ -661,7 +707,7 @@ describe('ReportWizardPage', () => {
 
     renderPage();
     const user = userEvent.setup();
-    await goToStep4(user);
+    await goToStep5(user);
     await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(1));
 
     const uploadBtn = screen.getByRole('button', { name: 'Upload to Paperless' });
@@ -697,7 +743,7 @@ describe('ReportWizardPage', () => {
 
     renderPage();
     const user = userEvent.setup();
-    await goToStep4(user);
+    await goToStep5(user);
     await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(1));
 
     const uploadBtn = screen.getByRole('button', { name: 'Upload to Paperless' });
@@ -713,6 +759,139 @@ describe('ReportWizardPage', () => {
     });
   });
 
+  // ─── Story #1899: report language (Settings step) ─────────────────────────
+
+  describe('report language selection (Story #1899)', () => {
+    it('defaults the report language radio group to the current resolvedLocale (en in this jsdom test environment)', async () => {
+      mockFetchBudgetSources.mockResolvedValue({ budgetSources: [makeSource()] });
+      mockGetSourceReport.mockResolvedValue(makeReport());
+      renderPage();
+      const user = userEvent.setup();
+      await goToStep4(user);
+
+      expect(screen.getByRole('radio', { name: 'English' })).toBeChecked();
+      expect(screen.getByRole('radio', { name: 'Deutsch' })).not.toBeChecked();
+    });
+
+    it('the selected report language persists across Back (to step 3) / Next (back to step 4) navigation', async () => {
+      mockFetchBudgetSources.mockResolvedValue({ budgetSources: [makeSource()] });
+      mockGetSourceReport.mockResolvedValue(makeReport());
+      renderPage();
+      const user = userEvent.setup();
+      await goToStep4(user);
+
+      await user.click(screen.getByRole('radio', { name: 'Deutsch' }));
+      expect(screen.getByRole('radio', { name: 'Deutsch' })).toBeChecked();
+
+      // step4 -> step3 -> step4: reportLanguage is page-level state, not local to Step4Settings,
+      // so it must survive the component being unmounted/remounted across step navigation.
+      await user.click(screen.getByRole('button', { name: 'Back' }));
+      await waitFor(() => expect(screen.getByText('ACME')).toBeInTheDocument());
+      await clickNext(user);
+
+      expect(screen.getByRole('radio', { name: 'Deutsch' })).toBeChecked();
+    });
+
+    it('changing the report language re-triggers generateReportPdf with a fixed t that resolves REAL German strings (not the app-wide i18n language)', async () => {
+      // reportT = i18n.getFixedT(reportLanguage, 'budget') against the real i18n singleton (not
+      // mocked in this file) — asserting the resolved string for a known key is the only way to
+      // confirm the fixed translator is actually locked to the chosen report language, distinct
+      // from whatever language the rest of the app UI is currently rendering in.
+      mockFetchBudgetSources.mockResolvedValue({ budgetSources: [makeSource()] });
+      mockGetSourceReport.mockResolvedValue(makeReport());
+      renderPage();
+      const user = userEvent.setup();
+      await goToStep4(user);
+      await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(1));
+
+      await user.click(screen.getByRole('radio', { name: 'Deutsch' }));
+
+      await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(2), {
+        timeout: 2000,
+      });
+
+      const lastCall = mockGenerateReportPdf.mock.calls.at(-1)!;
+      const reportT = lastCall[5] as (key: string) => string;
+      expect(reportT('sourceReports.table.vendor')).toBe('Auftragnehmer');
+
+      // The wizard chrome itself (a heading rendered via the page's own useTranslation('budget')
+      // t, not reportT) stays in English — selecting a report language never calls
+      // i18n.changeLanguage() / affects the ambient app language.
+      expect(screen.getByRole('heading', { name: 'Settings' })).toBeInTheDocument();
+    });
+  });
+
+  // ─── Story #1899: 5-step wizard structure ──────────────────────────────────
+
+  describe('5-step wizard structure (Story #1899)', () => {
+    it('renders exactly 5 items in the desktop stepper nav', async () => {
+      mockFetchBudgetSources.mockResolvedValue({ budgetSources: [makeSource()] });
+      renderPage();
+      await waitFor(() => screen.getByRole('radiogroup'));
+
+      const stepperNav = screen.getByRole('navigation', { name: 'Report wizard steps' });
+      expect(within(stepperNav).getAllByRole('listitem')).toHaveLength(5);
+    });
+
+    it('shows "Step 1 of 5" in the mobile stepper on the first step', async () => {
+      mockFetchBudgetSources.mockResolvedValue({ budgetSources: [makeSource()] });
+      renderPage();
+      await waitFor(() => screen.getByRole('radiogroup'));
+
+      expect(screen.getByText('Step 1 of 5')).toBeInTheDocument();
+    });
+
+    it('shows "Step 4 of 5" in the mobile stepper on the Settings step', async () => {
+      mockFetchBudgetSources.mockResolvedValue({ budgetSources: [makeSource()] });
+      mockGetSourceReport.mockResolvedValue(makeReport());
+      renderPage();
+      const user = userEvent.setup();
+      await goToStep4(user);
+
+      expect(screen.getByText('Step 4 of 5')).toBeInTheDocument();
+    });
+
+    it('shows "Step 5 of 5" in the mobile stepper on the Preview & Export step', async () => {
+      mockFetchBudgetSources.mockResolvedValue({ budgetSources: [makeSource()] });
+      mockGetSourceReport.mockResolvedValue(makeReport());
+      renderPage();
+      const user = userEvent.setup();
+      await goToStep5(user);
+
+      expect(screen.getByText('Step 5 of 5')).toBeInTheDocument();
+    });
+
+    it('the Settings step (4) shows the language radios and toggles, but no download/claim/preview UI', async () => {
+      mockFetchBudgetSources.mockResolvedValue({ budgetSources: [makeSource()] });
+      mockGetSourceReport.mockResolvedValue(makeReport());
+      renderPage();
+      const user = userEvent.setup();
+      await goToStep4(user);
+
+      expect(screen.getByRole('radio', { name: 'English' })).toBeInTheDocument();
+      expect(screen.getByLabelText('Include cover letter')).toBeInTheDocument();
+      expect(screen.queryByRole('button', { name: 'Download PDF' })).not.toBeInTheDocument();
+      expect(
+        screen.queryByRole('button', { name: /Mark [0-9]+ invoices as claimed/ }),
+      ).not.toBeInTheDocument();
+      expect(screen.queryByRole('button', { name: 'Upload to Paperless' })).not.toBeInTheDocument();
+      expect(document.querySelector('iframe')).not.toBeInTheDocument();
+    });
+
+    it('the Preview & Export step (5) shows the actions/preview UI, but no language radios or document toggles', async () => {
+      mockFetchBudgetSources.mockResolvedValue({ budgetSources: [makeSource()] });
+      mockGetSourceReport.mockResolvedValue(makeReport());
+      renderPage();
+      const user = userEvent.setup();
+      await goToStep5(user);
+      await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(1));
+
+      expect(screen.getByRole('button', { name: 'Download PDF' })).toBeInTheDocument();
+      expect(screen.queryByRole('radio', { name: 'English' })).not.toBeInTheDocument();
+      expect(screen.queryByLabelText('Include cover letter')).not.toBeInTheDocument();
+    });
+  });
+
   // ─── Error-path and navigation coverage ────────────────────────────────────
 
   it('shows an error banner when the initial data load fails', async () => {
@@ -801,7 +980,9 @@ describe('ReportWizardPage', () => {
 
     renderPage();
     const user = userEvent.setup();
-    await goToStep4(user);
+    // Generation starts as soon as the report is ready (not step-gated), but the failure banner
+    // only renders inside the Preview & Export step (5).
+    await goToStep5(user);
 
     await waitFor(() => {
       expect(screen.getAllByText('PDF generation failed').length).toBeGreaterThan(0);
@@ -825,6 +1006,10 @@ describe('ReportWizardPage', () => {
     const coverLetterCheckbox = screen.getByLabelText('Include cover letter');
     await user.click(coverLetterCheckbox);
 
+    await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(2), { timeout: 2000 });
+
+    // The failure banner only renders on the Preview & Export step.
+    await clickNext(user); // step 4 -> 5
     await waitFor(
       () => {
         expect(screen.getAllByText('PDF generation failed').length).toBeGreaterThan(0);
@@ -848,7 +1033,7 @@ describe('ReportWizardPage', () => {
 
     renderPage();
     const user = userEvent.setup();
-    await goToStep4(user);
+    await goToStep5(user);
     await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(1));
 
     await user.click(screen.getByRole('button', { name: /Mark [0-9]+ invoices as claimed/ }));
@@ -872,7 +1057,7 @@ describe('ReportWizardPage', () => {
 
       renderPage();
       const user = userEvent.setup();
-      await goToStep4(user);
+      await goToStep5(user);
       await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(1));
 
       await user.click(screen.getByRole('button', { name: /Mark [0-9]+ invoices as claimed/ }));
@@ -898,7 +1083,7 @@ describe('ReportWizardPage', () => {
 
     renderPage();
     const user = userEvent.setup();
-    await goToStep4(user);
+    await goToStep5(user);
     await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(1));
 
     await user.click(screen.getByRole('button', { name: 'Download PDF' }));
@@ -916,9 +1101,13 @@ describe('ReportWizardPage', () => {
 
     renderPage();
     const user = userEvent.setup();
-    await goToStep4(user);
+    await goToStep5(user);
     await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(1));
 
+    // step5 -> step4
+    await user.click(screen.getByRole('button', { name: 'Back' }));
+    await waitFor(() => expect(screen.getByRole('radio', { name: 'English' })).toBeInTheDocument());
+
     // step4 -> step3
     await user.click(screen.getByRole('button', { name: 'Back' }));
     await waitFor(() => expect(screen.getByText('ACME')).toBeInTheDocument());
@@ -956,6 +1145,7 @@ describe('ReportWizardPage', () => {
 
     await clickNext(user); // step3 -> step4
     await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(1));
+    await clickNext(user); // step4 -> step5
 
     await user.click(screen.getByRole('button', { name: /Mark [0-9]+ invoices as claimed/ }));
     await waitFor(() => screen.getByRole('button', { name: 'Confirm' }));
@@ -985,7 +1175,7 @@ describe('ReportWizardPage', () => {
 
     renderPage();
     const user = userEvent.setup();
-    await goToStep4(user);
+    await goToStep5(user);
 
     await waitFor(() => {
       expect(
@@ -1012,7 +1202,7 @@ describe('ReportWizardPage', () => {
 
       renderPage();
       const user = userEvent.setup();
-      await goToStep4(user);
+      await goToStep5(user);
       await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(1));
 
       await user.click(screen.getByRole('button', { name: 'Upload to Paperless' }));
@@ -1062,7 +1252,7 @@ describe('ReportWizardPage', () => {
 
       renderPage();
       const user = userEvent.setup();
-      await goToStep4(user);
+      await goToStep5(user);
       await waitFor(() => {
         expect(screen.getAllByText('PDF generation failed').length).toBeGreaterThan(0);
       });
@@ -1089,7 +1279,7 @@ describe('ReportWizardPage', () => {
 
     renderPage();
     const user = userEvent.setup();
-    await goToStep4(user);
+    await goToStep5(user);
     await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(1));
 
     await user.click(screen.getByRole('button', { name: /Mark [0-9]+ invoices as claimed/ }));
@@ -1178,6 +1368,41 @@ describe('ReportWizardPage', () => {
       expect(secondCallReport.invoices[0]!.lineKind).toBe('invoice');
     });
 
+    it('re-including a previously excluded budget line reverts excludedLineIds and regenerates with the FULL amount again', async () => {
+      // Covers onToggleLine's `else` branch (excluded === false → newSet.delete(lineId)), which
+      // the "exclude" test above never exercises since it only ever checks the box once.
+      mockFetchBudgetSources.mockResolvedValue({ budgetSources: [makeSource()] });
+      mockGetSourceReport.mockResolvedValue(makeReportWithLines());
+      mockGenerateReportPdf.mockResolvedValue({ blob: new Blob(['pdf']), skippedDocuments: [] });
+
+      renderPage();
+      const user = userEvent.setup();
+      await goToStep3(user);
+      await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(1));
+
+      const expandButton = document.querySelector(
+        '[aria-controls="invoice-expand-inv-1"]',
+      ) as HTMLElement;
+      await user.click(expandButton);
+      const excludeCheckbox = screen.getAllByRole('checkbox', {
+        name: 'Exclude Foundation work from report',
+      })[0]!;
+      await user.click(excludeCheckbox); // exclude: 1000 -> 400
+      await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(2), {
+        timeout: 2000,
+      });
+
+      await user.click(excludeCheckbox); // re-include: 400 -> 1000 again
+      await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(3), {
+        timeout: 2000,
+      });
+
+      const thirdCallReport =
+        mockGenerateReportPdf.mock.calls[mockGenerateReportPdf.mock.calls.length - 1]![0];
+      expect(thirdCallReport.invoices[0]!.allocatedAmount).toBe(1000);
+      expect(thirdCallReport.invoices[0]!.lineKind).toBe('invoice');
+    });
+
     it('excluding a line large enough to flip the sign passes a negative allocatedAmount / refund-adjustment lineKind to generateReportPdf', async () => {
       mockFetchBudgetSources.mockResolvedValue({ budgetSources: [makeSource()] });
       mockGetSourceReport.mockResolvedValue(
@@ -1297,7 +1522,7 @@ describe('ReportWizardPage', () => {
 
       renderPage();
       const user = userEvent.setup();
-      await goToStep4(user);
+      await goToStep5(user);
       await waitFor(() => expect(mockGenerateReportPdf).toHaveBeenCalledTimes(1));
 
       await user.click(screen.getByRole('button', { name: /Mark [0-9]+ invoices as claimed/ }));
@@ -1330,6 +1555,7 @@ describe('ReportWizardPage', () => {
       });
 
       await clickNext(user); // step 3 -> 4
+      await clickNext(user); // step 4 -> 5
       await user.click(screen.getByRole('button', { name: /Mark [0-9]+ invoices as claimed/ }));
       await waitFor(() => screen.getByRole('button', { name: 'Confirm' }));
 
diff --git a/client/src/pages/ReportWizardPage/ReportWizardPage.tsx b/client/src/pages/ReportWizardPage/ReportWizardPage.tsx
index 29c7cc937..c3c461835 100644
--- a/client/src/pages/ReportWizardPage/ReportWizardPage.tsx
+++ b/client/src/pages/ReportWizardPage/ReportWizardPage.tsx
@@ -2,11 +2,13 @@ import { useState, useEffect, useMemo, useCallback, useRef } from 'react';
 import { useSearchParams } from 'react-router-dom';
 import { useTranslation } from 'react-i18next';
 import type { BudgetSource, SourceReportType, HouseholdSettings } from '@cornerstone/shared';
+import i18n from '../../i18n/index.js';
+import { useLocale, type ResolvedLocale } from '../../contexts/LocaleContext.js';
 import { fetchBudgetSources } from '../../lib/budgetSourcesApi.js';
 import { fetchHouseholdSettings } from '../../lib/settingsApi.js';
 import { getSourceReport, markInvoicesClaimed } from '../../lib/sourceReportsApi.js';
 import { getPaperlessStatus } from '../../lib/paperlessApi.js';
-import { useFormatters } from '../../lib/formatters.js';
+import { createFormatters } from '../../lib/formatters.js';
 import { applyLineExclusions } from '../../lib/reportExclusions.js';
 import {
   generateReportPdf,
@@ -29,7 +31,8 @@ import { ReportPdfPreview } from '../../components/reports/ReportPdfPreview.js';
 import { BUDGET_TABS } from '../shared/budgetTabs.js';
 import { Step1UseCase } from './Step1UseCase.js';
 import { Step2Source } from './Step2Source.js';
-import { Step4Options } from './Step4Options.js';
+import { Step4Settings } from './Step4Settings.js';
+import { Step5Actions } from './Step5Actions.js';
 import sharedStyles from '../../styles/shared.module.css';
 import styles from './ReportWizardPage.module.css';
 
@@ -39,7 +42,7 @@ export function ReportWizardPage() {
   const { t } = useTranslation('budget');
   const { t: tErrors } = useTranslation('errors');
   const { showToast } = useToast();
-  const formatters = useFormatters();
+  const { resolvedLocale, currency } = useLocale();
   const [searchParams] = useSearchParams();
 
   // Step navigation
@@ -49,6 +52,9 @@ export function ReportWizardPage() {
   // Focus management for step headings
   const stepHeadingsRef = useRef<(HTMLHeadingElement | null)[]>([]);
 
+  // Report language selection
+  const [reportLanguage, setReportLanguage] = useState<ResolvedLocale>(resolvedLocale);
+
   // Use case selection
   const [useCase, setUseCase] = useState<SourceReportType | null>(null);
 
@@ -189,6 +195,14 @@ export function ReportWizardPage() {
     }
   }, [useCase, sourceIdFromQuery, report, handleSourceChange]);
 
+  // Report-language-specific translation and formatters
+  const reportT = useMemo(() => i18n.getFixedT(reportLanguage, 'budget'), [reportLanguage]);
+
+  const reportFormatters = useMemo(
+    () => createFormatters(reportLanguage === 'de' ? 'de-DE' : 'en-US', currency),
+    [reportLanguage, currency],
+  );
+
   // Regenerate PDF on options change (debounced)
   const debounceTimerRef = useRef<NodeJS.Timeout | null>(null);
 
@@ -218,8 +232,8 @@ export function ReportWizardPage() {
         useCase,
         { attachDocuments, includeCoverLetter },
         household,
-        t,
-        formatters,
+        reportT,
+        reportFormatters,
       );
 
       // Bail if a newer generation has started
@@ -255,8 +269,8 @@ export function ReportWizardPage() {
     attachDocuments,
     includeCoverLetter,
     household,
-    formatters,
-    t,
+    reportT,
+    reportFormatters,
   ]);
 
   // PDF generation: immediate on first load, debounced on option changes
@@ -296,6 +310,7 @@ export function ReportWizardPage() {
     includeCoverLetter,
     excludedInvoiceIds,
     excludedLineIds,
+    reportLanguage,
   ]);
 
   // Handle claim
@@ -406,7 +421,8 @@ export function ReportWizardPage() {
     { id: 'use-case', label: t('sourceReports.stepper.useCase') },
     { id: 'source', label: t('sourceReports.stepper.source') },
     { id: 'invoices', label: t('sourceReports.stepper.invoices') },
-    { id: 'options', label: t('sourceReports.stepper.options') },
+    { id: 'settings', label: t('sourceReports.stepper.settings') },
+    { id: 'actions', label: t('sourceReports.stepper.options') },
   ];
 
   const coverLetterDisabled = !selectedSource?.contactAddress && !selectedSource?.reference;
@@ -587,7 +603,7 @@ export function ReportWizardPage() {
         )}
 
         {currentStep === 4 && (
-          <div className={styles.step4Body}>
+          <div>
             <h2
               ref={(el) => {
                 stepHeadingsRef.current[3] = el;
@@ -596,16 +612,53 @@ export function ReportWizardPage() {
             >
               {steps[3]?.label}
             </h2>
+            <Step4Settings
+              reportLanguage={reportLanguage}
+              onReportLanguageChange={setReportLanguage}
+              attachDocuments={attachDocuments}
+              onAttachDocumentsChange={setAttachDocuments}
+              includeCoverLetter={includeCoverLetter}
+              onIncludeCoverLetterChange={setIncludeCoverLetter}
+              coverLetterDisabled={coverLetterDisabled}
+              t={t}
+            />
+            <div className={styles.buttonRow}>
+              <button
+                type="button"
+                className={sharedStyles.btnSecondary}
+                onClick={() => setCurrentStep(3)}
+              >
+                {t('common:button.back')}
+              </button>
+              <button
+                type="button"
+                className={sharedStyles.btnPrimary}
+                onClick={() => {
+                  setMaxReachedStep((s) => Math.max(s, 5));
+                  setCurrentStep(5);
+                }}
+              >
+                {t('common:button.next')}
+              </button>
+            </div>
+          </div>
+        )}
+
+        {currentStep === 5 && (
+          <div className={styles.step4Body}>
+            <h2
+              ref={(el) => {
+                stepHeadingsRef.current[4] = el;
+              }}
+              tabIndex={-1}
+            >
+              {steps[4]?.label}
+            </h2>
             {previewError && !isRegenerating && (
               <FormError message={t('sourceReports.previewGenerationFailed')} />
             )}
             <div className={styles.step4Layout}>
-              <Step4Options
-                attachDocuments={attachDocuments}
-                onAttachDocumentsChange={setAttachDocuments}
-                includeCoverLetter={includeCoverLetter}
-                onIncludeCoverLetterChange={setIncludeCoverLetter}
-                coverLetterDisabled={coverLetterDisabled}
+              <Step5Actions
                 useCase={useCase!}
                 paperlessStatus={paperlessStatus}
                 isMarkingClaimed={isMarkingClaimed}
@@ -656,7 +709,7 @@ export function ReportWizardPage() {
               <button
                 type="button"
                 className={sharedStyles.btnSecondary}
-                onClick={() => setCurrentStep(3)}
+                onClick={() => setCurrentStep(4)}
               >
                 {t('common:button.back')}
               </button>
diff --git a/client/src/pages/ReportWizardPage/Step4Settings.test.tsx b/client/src/pages/ReportWizardPage/Step4Settings.test.tsx
new file mode 100644
index 000000000..c3025bd8d
--- /dev/null
+++ b/client/src/pages/ReportWizardPage/Step4Settings.test.tsx
@@ -0,0 +1,151 @@
+/**
+ * Unit tests for client/src/pages/ReportWizardPage/Step4Settings.tsx
+ *
+ * Covers: the language radio group (literal, non-translated "English"/"Deutsch" labels per
+ * ProfilePage precedent — NOT wrapped in t()), checked-state reflecting the reportLanguage prop,
+ * onReportLanguageChange wiring, the group's accessible name (aria-labelledby the translated
+ * heading), the helper text, and the two document-option toggles ported verbatim from
+ * Step4Options.test.tsx (attachDocuments / includeCoverLetter — disabled-with-title-hint cover
+ * letter checkbox included) since Step4Settings absorbed them from the old Step4Options.
+ */
+import { render, screen, fireEvent } from '@testing-library/react';
+import { describe, it, expect, jest } from '@jest/globals';
+import type { TFunction } from 'i18next';
+import type { ResolvedLocale } from '../../contexts/LocaleContext.js';
+import { Step4Settings } from './Step4Settings.js';
+
+const t = ((key: string, opts?: Record<string, unknown>) =>
+  opts ? `${key}::${JSON.stringify(opts)}` : key) as unknown as TFunction;
+
+function baseProps() {
+  return {
+    reportLanguage: 'en' as ResolvedLocale,
+    onReportLanguageChange: jest.fn(),
+    attachDocuments: true,
+    onAttachDocumentsChange: jest.fn(),
+    includeCoverLetter: false,
+    onIncludeCoverLetterChange: jest.fn(),
+    coverLetterDisabled: false,
+    t,
+  };
+}
+
+function renderStep4Settings(props: ReturnType<typeof baseProps> & Record<string, unknown>) {
+  return render(<Step4Settings {...props} />);
+}
+
+describe('Step4Settings', () => {
+  describe('language radio group', () => {
+    it('renders literal, non-translated "English" and "Deutsch" labels', () => {
+      renderStep4Settings(baseProps());
+      // Literal text via getByText — these labels are intentionally NOT wrapped in t() (autonyms,
+      // matching ProfilePage precedent), so asserting on the raw literal string is the correct
+      // check here (not a translation-key echo like the rest of this component's copy).
+      expect(screen.getByText('English')).toBeInTheDocument();
+      expect(screen.getByText('Deutsch')).toBeInTheDocument();
+    });
+
+    it('checks the "en" radio and leaves "de" unchecked when reportLanguage is "en"', () => {
+      renderStep4Settings({ ...baseProps(), reportLanguage: 'en' });
+      const enRadio = screen.getByRole('radio', { name: 'English' }) as HTMLInputElement;
+      const deRadio = screen.getByRole('radio', { name: 'Deutsch' }) as HTMLInputElement;
+      expect(enRadio.checked).toBe(true);
+      expect(deRadio.checked).toBe(false);
+    });
+
+    it('checks the "de" radio and leaves "en" unchecked when reportLanguage is "de"', () => {
+      renderStep4Settings({ ...baseProps(), reportLanguage: 'de' });
+      const enRadio = screen.getByRole('radio', { name: 'English' }) as HTMLInputElement;
+      const deRadio = screen.getByRole('radio', { name: 'Deutsch' }) as HTMLInputElement;
+      expect(enRadio.checked).toBe(false);
+      expect(deRadio.checked).toBe(true);
+    });
+
+    it('both radios share the name "reportLanguage" (mutually exclusive group)', () => {
+      renderStep4Settings(baseProps());
+      const enRadio = screen.getByRole('radio', { name: 'English' });
+      const deRadio = screen.getByRole('radio', { name: 'Deutsch' });
+      expect(enRadio).toHaveAttribute('name', 'reportLanguage');
+      expect(deRadio).toHaveAttribute('name', 'reportLanguage');
+    });
+
+    it('calls onReportLanguageChange("de") when the Deutsch radio is clicked', () => {
+      const onReportLanguageChange = jest.fn();
+      renderStep4Settings({ ...baseProps(), reportLanguage: 'en', onReportLanguageChange });
+      fireEvent.click(screen.getByRole('radio', { name: 'Deutsch' }));
+      expect(onReportLanguageChange).toHaveBeenCalledWith('de');
+    });
+
+    it('calls onReportLanguageChange("en") when the English radio is clicked', () => {
+      const onReportLanguageChange = jest.fn();
+      renderStep4Settings({ ...baseProps(), reportLanguage: 'de', onReportLanguageChange });
+      fireEvent.click(screen.getByRole('radio', { name: 'English' }));
+      expect(onReportLanguageChange).toHaveBeenCalledWith('en');
+    });
+
+    it('the radio group has an accessible name resolving to the translated language heading', () => {
+      renderStep4Settings(baseProps());
+      // aria-labelledby="report-language-heading" points at the <h3> whose content is
+      // t('sourceReports.settingsStep.languageHeading') — with the echoing stub `t` above, that
+      // resolves to the raw key string, which is exactly what the group's accessible name should
+      // equal.
+      expect(
+        screen.getByRole('group', { name: 'sourceReports.settingsStep.languageHeading' }),
+      ).toBeInTheDocument();
+    });
+
+    it('renders the language helper text', () => {
+      renderStep4Settings(baseProps());
+      expect(screen.getByText('sourceReports.settingsStep.languageHelper')).toBeInTheDocument();
+    });
+  });
+
+  // ─── Document option toggles (ported from Step4Options.test.tsx) ────────────
+
+  describe('document option toggles', () => {
+    it('renders both option checkboxes with the given checked state', () => {
+      renderStep4Settings({ ...baseProps(), attachDocuments: true, includeCoverLetter: false });
+      const attach = screen.getByLabelText('sourceReports.attachDocuments') as HTMLInputElement;
+      const cover = screen.getByLabelText('sourceReports.includeCoverLetter') as HTMLInputElement;
+      expect(attach.checked).toBe(true);
+      expect(cover.checked).toBe(false);
+    });
+
+    it('calls onAttachDocumentsChange with the new checked value when toggled', () => {
+      const onAttachDocumentsChange = jest.fn();
+      renderStep4Settings({
+        ...baseProps(),
+        attachDocuments: true,
+        onAttachDocumentsChange,
+      });
+      fireEvent.click(screen.getByLabelText('sourceReports.attachDocuments'));
+      expect(onAttachDocumentsChange).toHaveBeenCalledWith(false);
+    });
+
+    it('calls onIncludeCoverLetterChange with the new checked value when toggled', () => {
+      const onIncludeCoverLetterChange = jest.fn();
+      renderStep4Settings({
+        ...baseProps(),
+        includeCoverLetter: false,
+        coverLetterDisabled: false,
+        onIncludeCoverLetterChange,
+      });
+      fireEvent.click(screen.getByLabelText('sourceReports.includeCoverLetter'));
+      expect(onIncludeCoverLetterChange).toHaveBeenCalledWith(true);
+    });
+
+    it('disables the cover-letter checkbox and shows a title hint when coverLetterDisabled is true', () => {
+      renderStep4Settings({ ...baseProps(), coverLetterDisabled: true });
+      const cover = screen.getByLabelText('sourceReports.includeCoverLetter') as HTMLInputElement;
+      expect(cover.disabled).toBe(true);
+      expect(cover).toHaveAttribute('title', 'sourceReports.coverLetterDisabledReason');
+    });
+
+    it('leaves the cover-letter checkbox enabled with no title hint when coverLetterDisabled is false', () => {
+      renderStep4Settings({ ...baseProps(), coverLetterDisabled: false });
+      const cover = screen.getByLabelText('sourceReports.includeCoverLetter') as HTMLInputElement;
+      expect(cover.disabled).toBe(false);
+      expect(cover).not.toHaveAttribute('title');
+    });
+  });
+});
diff --git a/client/src/pages/ReportWizardPage/Step4Settings.tsx b/client/src/pages/ReportWizardPage/Step4Settings.tsx
new file mode 100644
index 000000000..bf9c9032b
--- /dev/null
+++ b/client/src/pages/ReportWizardPage/Step4Settings.tsx
@@ -0,0 +1,104 @@
+import type { TFunction } from 'i18next';
+import type { ResolvedLocale } from '../../contexts/LocaleContext.js';
+import styles from './ReportWizardPage.module.css';
+
+interface Step4SettingsProps {
+  reportLanguage: ResolvedLocale;
+  onReportLanguageChange: (language: ResolvedLocale) => void;
+  attachDocuments: boolean;
+  onAttachDocumentsChange: (value: boolean) => void;
+  includeCoverLetter: boolean;
+  onIncludeCoverLetterChange: (value: boolean) => void;
+  coverLetterDisabled: boolean;
+  t: TFunction;
+}
+
+export function Step4Settings({
+  reportLanguage,
+  onReportLanguageChange,
+  attachDocuments,
+  onAttachDocumentsChange,
+  includeCoverLetter,
+  onIncludeCoverLetterChange,
+  coverLetterDisabled,
+  t,
+}: Step4SettingsProps) {
+  const showCoverLetterDisabledHint = coverLetterDisabled
+    ? t('sourceReports.coverLetterDisabledReason')
+    : undefined;
+
+  return (
+    <div className={styles.settingsCard}>
+      {/* Language section */}
+      <div className={styles.settingsSection}>
+        <h3 id="report-language-heading" className={styles.sectionTitle}>
+          {t('sourceReports.settingsStep.languageHeading')}
+        </h3>
+        <div
+          className={styles.languageGroup}
+          role="group"
+          aria-labelledby="report-language-heading"
+        >
+          <label>
+            <input
+              type="radio"
+              name="reportLanguage"
+              value="en"
+              checked={reportLanguage === 'en'}
+              onChange={() => onReportLanguageChange('en')}
+            />
+            English
+          </label>
+          <label>
+            <input
+              type="radio"
+              name="reportLanguage"
+              value="de"
+              checked={reportLanguage === 'de'}
+              onChange={() => onReportLanguageChange('de')}
+            />
+            Deutsch
+          </label>
+        </div>
+        <div className={styles.optionHelper}>{t('sourceReports.settingsStep.languageHelper')}</div>
+      </div>
+
+      {/* Document options section */}
+      <div className={styles.settingsDivider}>
+        <div className={styles.optionRow}>
+          <input
+            type="checkbox"
+            id="attachDocuments"
+            checked={attachDocuments}
+            onChange={(e) => onAttachDocumentsChange(e.target.checked)}
+            className={styles.optionCheckbox}
+          />
+          <label htmlFor="attachDocuments" className={styles.optionLabel}>
+            {t('sourceReports.attachDocuments')}
+          </label>
+          <div className={styles.optionHelper}>{t('sourceReports.attachDocumentsHelper')}</div>
+        </div>
+
+        <div className={styles.optionRow}>
+          <input
+            type="checkbox"
+            id="includeCoverLetter"
+            checked={includeCoverLetter}
+            onChange={(e) => onIncludeCoverLetterChange(e.target.checked)}
+            className={styles.optionCheckbox}
+            disabled={coverLetterDisabled}
+            title={showCoverLetterDisabledHint}
+          />
+          <label
+            htmlFor="includeCoverLetter"
+            className={styles.optionLabel}
+            title={showCoverLetterDisabledHint}
+          >
+            {t('sourceReports.includeCoverLetter')}
+          </label>
+          <div className={styles.optionHelper}>{t('sourceReports.includeCoverLetterHelper')}</div>
+        </div>
+      </div>
+    </div>
+  );
+}
diff --git a/client/src/pages/ReportWizardPage/Step4Options.test.tsx b/client/src/pages/ReportWizardPage/Step5Actions.test.tsx
similarity index 70%
rename from client/src/pages/ReportWizardPage/Step4Options.test.tsx
rename to client/src/pages/ReportWizardPage/Step5Actions.test.tsx
index a766adc98..8fa248ec4 100644
--- a/client/src/pages/ReportWizardPage/Step4Options.test.tsx
+++ b/client/src/pages/ReportWizardPage/Step5Actions.test.tsx
@@ -1,29 +1,25 @@
 /**
- * Unit tests for client/src/pages/ReportWizardPage/Step4Options.tsx
+ * Unit tests for client/src/pages/ReportWizardPage/Step5Actions.tsx
  *
- * Covers: toggle defaults/wiring, disabled-with-title cover letter checkbox, action wiring per
- * use case (download always; claim-only mark-claimed/finish-without-marking; Paperless-gated
- * upload), claim-error banner, the claim-success banner + "view invoices" link, and the
- * hasError/hasBlob action-disabling gate (frontend fix spec item 13 — a failed regeneration
- * invalidates the previous blob, so every action button must disable until a fresh one exists).
+ * Ported from the former Step4Options.test.tsx, minus the document-option-toggle tests (those
+ * moved to Step4Settings.test.tsx along with the toggle UI itself). Covers: action wiring per use
+ * case (download always; claim-only mark-claimed/finish-without-marking; Paperless-gated upload),
+ * claim-error banner, the claim-success banner + "view invoices" link, and the hasError/hasBlob
+ * action-disabling gate (frontend fix spec item 13 — a failed regeneration invalidates the
+ * previous blob, so every action button must disable until a fresh one exists).
  */
 import { render, screen, fireEvent } from '@testing-library/react';
 import { describe, it, expect, jest } from '@jest/globals';
 import { MemoryRouter } from 'react-router-dom';
 import type { TFunction } from 'i18next';
 import type { PaperlessStatusResponse, SourceReportType } from '@cornerstone/shared';
-import { Step4Options } from './Step4Options.js';
+import { Step5Actions } from './Step5Actions.js';
 
 const t = ((key: string, opts?: Record<string, unknown>) =>
   opts ? `${key}::${JSON.stringify(opts)}` : key) as unknown as TFunction;
 
 function baseProps() {
   return {
-    attachDocuments: true,
-    onAttachDocumentsChange: jest.fn(),
-    includeCoverLetter: false,
-    onIncludeCoverLetterChange: jest.fn(),
-    coverLetterDisabled: false,
     useCase: 'claim' as SourceReportType,
     paperlessStatus: null as PaperlessStatusResponse | null,
     isMarkingClaimed: false,
@@ -43,72 +39,27 @@ function baseProps() {
   };
 }
 
-function renderStep4(props: ReturnType<typeof baseProps> & Record<string, unknown>) {
+function renderStep5(props: ReturnType<typeof baseProps> & Record<string, unknown>) {
   return render(
     <MemoryRouter>
-      <Step4Options {...props} />
+      <Step5Actions {...props} />
     </MemoryRouter>,
   );
 }
 
 const markClaimedName = (count: number) => `sourceReports.markClaimed::{"count":${count}}`;
 
-describe('Step4Options', () => {
-  it('renders both option checkboxes with the given checked state', () => {
-    renderStep4({ ...baseProps(), attachDocuments: true, includeCoverLetter: false });
-    const attach = screen.getByLabelText('sourceReports.attachDocuments') as HTMLInputElement;
-    const cover = screen.getByLabelText('sourceReports.includeCoverLetter') as HTMLInputElement;
-    expect(attach.checked).toBe(true);
-    expect(cover.checked).toBe(false);
-  });
-
-  it('calls onAttachDocumentsChange with the new checked value when toggled', () => {
-    const onAttachDocumentsChange = jest.fn();
-    renderStep4({
-      ...baseProps(),
-      attachDocuments: true,
-      onAttachDocumentsChange,
-    });
-    fireEvent.click(screen.getByLabelText('sourceReports.attachDocuments'));
-    expect(onAttachDocumentsChange).toHaveBeenCalledWith(false);
-  });
-
-  it('calls onIncludeCoverLetterChange with the new checked value when toggled', () => {
-    const onIncludeCoverLetterChange = jest.fn();
-    renderStep4({
-      ...baseProps(),
-      includeCoverLetter: false,
-      coverLetterDisabled: false,
-      onIncludeCoverLetterChange,
-    });
-    fireEvent.click(screen.getByLabelText('sourceReports.includeCoverLetter'));
-    expect(onIncludeCoverLetterChange).toHaveBeenCalledWith(true);
-  });
-
-  it('disables the cover-letter checkbox and shows a title hint when coverLetterDisabled is true', () => {
-    renderStep4({ ...baseProps(), coverLetterDisabled: true });
-    const cover = screen.getByLabelText('sourceReports.includeCoverLetter') as HTMLInputElement;
-    expect(cover.disabled).toBe(true);
-    expect(cover).toHaveAttribute('title', 'sourceReports.coverLetterDisabledReason');
-  });
-
-  it('leaves the cover-letter checkbox enabled with no title hint when coverLetterDisabled is false', () => {
-    renderStep4({ ...baseProps(), coverLetterDisabled: false });
-    const cover = screen.getByLabelText('sourceReports.includeCoverLetter') as HTMLInputElement;
-    expect(cover.disabled).toBe(false);
-    expect(cover).not.toHaveAttribute('title');
-  });
-
+describe('Step5Actions', () => {
   it('always renders the Download button and calls onDownload when clicked', () => {
     const onDownload = jest.fn();
-    renderStep4({ ...baseProps(), onDownload, useCase: 'budget-overview' });
+    renderStep5({ ...baseProps(), onDownload, useCase: 'budget-overview' });
     const btn = screen.getByRole('button', { name: 'sourceReports.download' });
     fireEvent.click(btn);
     expect(onDownload).toHaveBeenCalledTimes(1);
   });
 
   it('does NOT render claim-only actions for the budget-overview use case', () => {
-    renderStep4({ ...baseProps(), useCase: 'budget-overview' });
+    renderStep5({ ...baseProps(), useCase: 'budget-overview' });
     expect(screen.queryByRole('button', { name: markClaimedName(3) })).not.toBeInTheDocument();
     expect(
       screen.queryByRole('button', { name: 'sourceReports.finishWithoutMarking' }),
@@ -116,12 +67,12 @@ describe('Step4Options', () => {
   });
 
   it('does NOT render claim-only actions for the proof-of-funds use case', () => {
-    renderStep4({ ...baseProps(), useCase: 'proof-of-funds' });
+    renderStep5({ ...baseProps(), useCase: 'proof-of-funds' });
     expect(screen.queryByRole('button', { name: markClaimedName(3) })).not.toBeInTheDocument();
   });
 
   it('renders "Mark claimed" and "Finish without marking" only for the claim use case', () => {
-    renderStep4({ ...baseProps(), useCase: 'claim' });
+    renderStep5({ ...baseProps(), useCase: 'claim' });
     expect(screen.getByRole('button', { name: markClaimedName(3) })).toBeInTheDocument();
     expect(
       screen.getByRole('button', { name: 'sourceReports.finishWithoutMarking' }),
@@ -129,31 +80,31 @@ describe('Step4Options', () => {
   });
 
   it('interpolates selectedInvoiceCount into the "Mark claimed" button label', () => {
-    renderStep4({ ...baseProps(), useCase: 'claim', selectedInvoiceCount: 7 });
+    renderStep5({ ...baseProps(), useCase: 'claim', selectedInvoiceCount: 7 });
     expect(screen.getByRole('button', { name: markClaimedName(7) })).toBeInTheDocument();
   });
 
   it('calls onMarkClaimed when "Mark claimed" is clicked', () => {
     const onMarkClaimed = jest.fn();
-    renderStep4({ ...baseProps(), useCase: 'claim', onMarkClaimed });
+    renderStep5({ ...baseProps(), useCase: 'claim', onMarkClaimed });
     fireEvent.click(screen.getByRole('button', { name: markClaimedName(3) }));
     expect(onMarkClaimed).toHaveBeenCalledTimes(1);
   });
 
   it('calls onFinishWithoutMarking when "Finish without marking" is clicked', () => {
     const onFinishWithoutMarking = jest.fn();
-    renderStep4({ ...baseProps(), useCase: 'claim', onFinishWithoutMarking });
+    renderStep5({ ...baseProps(), useCase: 'claim', onFinishWithoutMarking });
     fireEvent.click(screen.getByRole('button', { name: 'sourceReports.finishWithoutMarking' }));
     expect(onFinishWithoutMarking).toHaveBeenCalledTimes(1);
   });
 
   it('disables "Mark claimed" while isMarkingClaimed is true', () => {
-    renderStep4({ ...baseProps(), useCase: 'claim', isMarkingClaimed: true });
+    renderStep5({ ...baseProps(), useCase: 'claim', isMarkingClaimed: true });
     expect(screen.getByRole('button', { name: markClaimedName(3) })).toBeDisabled();
   });
 
   it('disables Download/Mark-claimed/Finish while isSaving is true', () => {
-    renderStep4({ ...baseProps(), useCase: 'claim', isSaving: true });
+    renderStep5({ ...baseProps(), useCase: 'claim', isSaving: true });
     expect(screen.getByRole('button', { name: 'sourceReports.download' })).toBeDisabled();
     expect(screen.getByRole('button', { name: markClaimedName(3) })).toBeDisabled();
     expect(
@@ -163,7 +114,7 @@ describe('Step4Options', () => {
 
   describe('hasError / hasBlob action gating (a failed regeneration invalidates the blob)', () => {
     it('all actions are enabled by default (hasError: false, hasBlob: true)', () => {
-      renderStep4({
+      renderStep5({
         ...baseProps(),
         useCase: 'claim',
         paperlessStatus: {
@@ -183,7 +134,7 @@ describe('Step4Options', () => {
     });
 
     it('disables every action when hasError is true, even though a stale blob still exists', () => {
-      renderStep4({
+      renderStep5({
         ...baseProps(),
         useCase: 'claim',
         hasError: true,
@@ -205,7 +156,7 @@ describe('Step4Options', () => {
     });
 
     it('disables every action when hasBlob is false (no successful generation yet), even with no error', () => {
-      renderStep4({
+      renderStep5({
         ...baseProps(),
         useCase: 'claim',
         hasError: false,
@@ -228,7 +179,7 @@ describe('Step4Options', () => {
 
     it('a click on a disabled action (hasError true) does not invoke its handler', () => {
       const onDownload = jest.fn();
-      renderStep4({ ...baseProps(), useCase: 'claim', hasError: true, onDownload });
+      renderStep5({ ...baseProps(), useCase: 'claim', hasError: true, onDownload });
       fireEvent.click(screen.getByRole('button', { name: 'sourceReports.download' }));
       expect(onDownload).not.toHaveBeenCalled();
     });
@@ -236,14 +187,14 @@ describe('Step4Options', () => {
 
   describe('Paperless upload gating', () => {
     it('hides the Upload button when paperlessStatus is null', () => {
-      renderStep4({ ...baseProps(), paperlessStatus: null });
+      renderStep5({ ...baseProps(), paperlessStatus: null });
       expect(
         screen.queryByRole('button', { name: 'sourceReports.uploadPaperless' }),
       ).not.toBeInTheDocument();
     });
 
     it('hides the Upload button when configured is false', () => {
-      renderStep4({
+      renderStep5({
         ...baseProps(),
         paperlessStatus: {
           configured: false,
@@ -259,7 +210,7 @@ describe('Step4Options', () => {
     });
 
     it('hides the Upload button when configured but not reachable', () => {
-      renderStep4({
+      renderStep5({
         ...baseProps(),
         paperlessStatus: {
           configured: true,
@@ -275,7 +226,7 @@ describe('Step4Options', () => {
     });
 
     it('shows the Upload button when configured and reachable', () => {
-      renderStep4({
+      renderStep5({
         ...baseProps(),
         paperlessStatus: {
           configured: true,
@@ -292,7 +243,7 @@ describe('Step4Options', () => {
 
     it('calls onUploadPaperless when the Upload button is clicked', () => {
       const onUploadPaperless = jest.fn();
-      renderStep4({
+      renderStep5({
         ...baseProps(),
         paperlessStatus: {
           configured: true,
@@ -309,18 +260,18 @@ describe('Step4Options', () => {
   });
 
   it('renders the claim error banner when claimError is set', () => {
-    renderStep4({ ...baseProps(), claimError: 'Something went wrong' });
+    renderStep5({ ...baseProps(), claimError: 'Something went wrong' });
     expect(screen.getByText('Something went wrong')).toBeInTheDocument();
   });
 
   it('renders no error banner when claimError is null', () => {
-    const { container } = renderStep4({ ...baseProps(), claimError: null });
+    const { container } = renderStep5({ ...baseProps(), claimError: null });
     expect(container.querySelector('.formErrorBanner')).not.toBeInTheDocument();
   });
 
   describe('claimSuccess', () => {
     it('replaces the action buttons with a success banner when claimSuccess is true', () => {
-      renderStep4({ ...baseProps(), useCase: 'claim', claimSuccess: true });
+      renderStep5({ ...baseProps(), useCase: 'claim', claimSuccess: true });
       expect(
         screen.queryByRole('button', { name: 'sourceReports.download' }),
       ).not.toBeInTheDocument();
@@ -328,18 +279,18 @@ describe('Step4Options', () => {
     });
 
     it('interpolates the real claimedCount into the success banner text', () => {
-      renderStep4({ ...baseProps(), useCase: 'claim', claimSuccess: true, claimedCount: 5 });
+      renderStep5({ ...baseProps(), useCase: 'claim', claimSuccess: true, claimedCount: 5 });
       expect(screen.getByText('sourceReports.claimSuccess::{"count":5}')).toBeInTheDocument();
     });
 
     it('renders a link to /budget/invoices in the success banner', () => {
-      renderStep4({ ...baseProps(), useCase: 'claim', claimSuccess: true, claimedCount: 5 });
+      renderStep5({ ...baseProps(), useCase: 'claim', claimSuccess: true, claimedCount: 5 });
       const link = screen.getByRole('link', { name: 'sourceReports.viewInvoices' });
       expect(link).toHaveAttribute('href', '/budget/invoices');
     });
 
     it('shows the distinct "finished without marking" success text instead of claimSuccess when finishedWithoutMarking is true', () => {
-      renderStep4({
+      renderStep5({
         ...baseProps(),
         useCase: 'claim',
         claimSuccess: true,
diff --git a/client/src/pages/ReportWizardPage/Step4Options.tsx b/client/src/pages/ReportWizardPage/Step5Actions.tsx
similarity index 63%
rename from client/src/pages/ReportWizardPage/Step4Options.tsx
rename to client/src/pages/ReportWizardPage/Step5Actions.tsx
index d886a8f67..2be71e152 100644
--- a/client/src/pages/ReportWizardPage/Step4Options.tsx
+++ b/client/src/pages/ReportWizardPage/Step5Actions.tsx
@@ -4,12 +4,7 @@ import type { SourceReportType, PaperlessStatusResponse } from '@cornerstone/sha
 import sharedStyles from '../../styles/shared.module.css';
 import styles from './ReportWizardPage.module.css';
 
-interface Step4OptionsProps {
-  attachDocuments: boolean;
-  onAttachDocumentsChange: (value: boolean) => void;
-  includeCoverLetter: boolean;
-  onIncludeCoverLetterChange: (value: boolean) => void;
-  coverLetterDisabled: boolean;
+interface Step5ActionsProps {
   useCase: SourceReportType;
   paperlessStatus: PaperlessStatusResponse | null;
   isMarkingClaimed: boolean;
@@ -28,12 +23,7 @@ interface Step4OptionsProps {
   t: TFunction;
 }
 
-export function Step4Options({
-  attachDocuments,
-  onAttachDocumentsChange,
-  includeCoverLetter,
-  onIncludeCoverLetterChange,
-  coverLetterDisabled,
+export function Step5Actions({
   useCase,
   paperlessStatus,
   isMarkingClaimed,
@@ -50,51 +40,11 @@ export function Step4Options({
   hasError,
   hasBlob,
   t,
-}: Step4OptionsProps) {
+}: Step5ActionsProps) {
   const isClaim = useCase === 'claim';
-  const showCoverLetterDisabledHint = coverLetterDisabled
-    ? t('sourceReports.coverLetterDisabledReason')
-    : undefined;
 
   return (
     <div className={styles.step4Column}>
-      {/* Options panel */}
-      <div className={styles.optionsCard}>
-        <div className={styles.optionRow}>
-          <input
-            type="checkbox"
-            id="attachDocuments"
-            checked={attachDocuments}
-            onChange={(e) => onAttachDocumentsChange(e.target.checked)}
-            className={styles.optionCheckbox}
-          />
-          <label htmlFor="attachDocuments" className={styles.optionLabel}>
-            {t('sourceReports.attachDocuments')}
-          </label>
-          <div className={styles.optionHelper}>{t('sourceReports.attachDocumentsHelper')}</div>
-        </div>
-
-        <div className={styles.optionRow}>
-          <input
-            type="checkbox"
-            id="includeCoverLetter"
-            checked={includeCoverLetter}
-            onChange={(e) => onIncludeCoverLetterChange(e.target.checked)}
-            className={styles.optionCheckbox}
-            disabled={coverLetterDisabled}
-            title={showCoverLetterDisabledHint}
-          />
-          <label
-            htmlFor="includeCoverLetter"
-            className={styles.optionLabel}
-            title={showCoverLetterDisabledHint}
-          >
-            {t('sourceReports.includeCoverLetter')}
-          </label>
-          <div className={styles.optionHelper}>{t('sourceReports.includeCoverLetterHelper')}</div>
-        </div>
-      </div>
-
       {/* Actions */}
       <div className={styles.actionsContainer}>
         {claimSuccess ? (
diff --git a/e2e/pages/ReportWizardPage.ts b/e2e/pages/ReportWizardPage.ts
index 862659c4b..2f9c34bae 100644
--- a/e2e/pages/ReportWizardPage.ts
+++ b/e2e/pages/ReportWizardPage.ts
@@ -1,6 +1,16 @@
 /**
  * Page Object Model for the Bank Report Wizard page (/budget/reports) — Story #1879.
  *
+ * 5-step structure (as of Story #1899 — a "Settings" step was inserted at position 4, pushing
+ * the old step 4 (preview + actions) to position 5):
+ *   1. Report Type (`Step1UseCase.tsx`)
+ *   2. Budget Source (`Step2Source.tsx`)
+ *   3. Select Invoices (`ReportInvoiceList.tsx`)
+ *   4. Settings (`Step4Settings.tsx`) — NEW: report-language radio group + the
+ *      attach-documents/cover-letter toggles (moved here from the old step 4)
+ *   5. Preview & Export (`Step5Actions.tsx` + `ReportPdfPreview.tsx`) — unchanged content,
+ *      renamed/renumbered from the old step 4
+ *
  * The page renders:
  * - An h1 "Bank Reports" page title (PageLayout)
  * - BUDGET_TABS SubNav ("Reports" tab, 5th)
@@ -13,9 +23,10 @@
  *   - Desktop (>=768px, visible): `<nav><ol class*="stepList">` of `<li class*="stepItem">`,
  *     each containing either a `<button class*="stepButton">` (reachable step, stepNum <=
  *     maxReachedStep) or a non-interactive `<div class*="stepButtonDisabled">` (forward-locked
- *     step — NOT a button, not in the a11y/tab tree).
- *   - Mobile (<768px, visible): `<p class*="stepCount">` + `<div class*="dotIndicators"><div
- *     class*="dot">`.
+ *     step — NOT a button, not in the a11y/tab tree). Now 5 items (`stepItems.nth(3)` =
+ *     "Settings", `stepItems.nth(4)` = "Preview & Export").
+ *   - Mobile (<768px, visible): `<p class*="stepCount">` (now "Step N of 5") + `<div
+ *     class*="dotIndicators"><div class*="dot">` (now 5 dots).
  *
  *   NOTE: `WizardStepper`'s own strings (`reportWizard.stepOfTotal`,
  *   `reportWizard.stepperAriaLabel`) and every `common.button.*` call in
@@ -38,14 +49,35 @@
  *   resolve correctly), an unallocated group toggle (`[class*="unallocatedHeader"]`,
  *   `aria-expanded`), and a `SelectionActionBar` (`[class*="count"]` text, "Clear selection"
  *   button — text is ALSO a missing-prop bug, located structurally).
- * - Step 4 (`Step4Options.tsx` + `ReportPdfPreview.tsx`): `#attachDocuments` /
- *   `#includeCoverLetter` checkboxes, action buttons (Download PDF / Mark N invoices as
- *   claimed / Finish without marking / Upload to Paperless — all via correctly-resolving
- *   `sourceReports.*` keys), and `iframe[title="Report PDF preview"]` with a
- *   `[class*="pdfLoadingOverlay"]` spinner shown while `aria-busy="true"` on
- *   `[class*="pdfPreviewWrapper"]`.
+ * - Step 4 (`Step4Settings.tsx`, NEW): a `role="group"` (aria-labelledby an
+ *   `<h3 id="report-language-heading">`, accessible name "Report language") containing two
+ *   plain (NOT visually hidden) radio inputs `input[name="reportLanguage"][value="en"|"de"]`
+ *   with literal (non-translated) "English"/"Deutsch" labels, followed by the SAME
+ *   `#attachDocuments`/`#includeCoverLetter` checkboxes that used to live on the old step 4 —
+ *   same DOM ids, just relocated. This step has NO preview iframe — `ReportPdfPreview` is only
+ *   mounted on step 5, so preview state changes triggered here (including a report-language
+ *   change, which regenerates the PDF via a fixed-locale `t`/formatters pair independent of the
+ *   app's own UI language) are only OBSERVABLE once you advance to step 5 and call
+ *   `waitForPreviewReady()`/`waitForPreviewRegenerated()` there.
+ * - Step 5 (`Step5Actions.tsx` + `ReportPdfPreview.tsx`, renamed/renumbered from the old step
+ *   4): action buttons (Download PDF / Mark N invoices as claimed / Finish without marking /
+ *   Upload to Paperless — all via correctly-resolving `sourceReports.*` keys), and
+ *   `iframe[title="Report PDF preview"]` with a `[class*="pdfLoadingOverlay"]` spinner shown
+ *   while `aria-busy="true"` on `[class*="pdfPreviewWrapper"]`.
  * - Claim confirmation modal: `role="dialog"` (name "Mark Invoices as Claimed?").
- * - Claim success: `[class*="bannerSuccess"]` banner (replaces the action buttons in Step 4).
+ * - Claim success: `[class*="bannerSuccess"]` banner (replaces the action buttons in step 5).
+ *
+ * Back/Next button locators (`step2BackButton`/`step2NextButton`/`step4BackButton`/
+ * `step4NextButton`/`step5BackButton`, etc.): every step body is rendered from a single
+ * `{currentStep === N && ...}` block, so exactly ONE `[class*="buttonRow"]` div is ever present
+ * in the DOM at a time — these locators are therefore all built from the SAME page-wide
+ * `[class*="buttonRow"] [class*="btnSecondary"|"btnPrimary"]` queries (re-used/aliased across
+ * steps, e.g. `step3BackButton = step2BackButton`), which re-resolve to whichever step's
+ * buttonRow is currently mounted. Steps 2-4 have both a Back (`btnSecondary`) and Next
+ * (`btnPrimary`) button; step 5 has Back only. `.first()`/`.last()` never disambiguate Back
+ * from Next here (that's already done by the distinct `btnSecondary`/`btnPrimary` class
+ * queries) — they exist only as a defensive tie-breaker in case more than one match is ever
+ * present, and are consequently interchangeable for a single-button buttonRow (step 5).
  *
  * Story #1891 follow-up additions (`ReportInvoiceList.tsx`):
  * - Each allocated invoice row is a `<div class*="invoiceRow">` on a `1.5rem auto 1fr auto
@@ -132,9 +164,14 @@ export class ReportWizardPage {
   readonly step3BackButton: Locator;
   readonly step3NextButton: Locator;
 
-  // Step 4: Options + preview
+  // Step 4: Settings (report language + attach-documents/cover-letter options)
+  readonly reportLanguageGroup: Locator;
   readonly attachDocumentsCheckbox: Locator;
   readonly includeCoverLetterCheckbox: Locator;
+  readonly step4BackButton: Locator;
+  readonly step4NextButton: Locator;
+
+  // Step 5: Preview + actions (renamed/renumbered from the old "step 4" — Story #1899)
   readonly previewWrapper: Locator;
   readonly previewIframe: Locator;
   readonly previewLoadingOverlay: Locator;
@@ -148,7 +185,7 @@ export class ReportWizardPage {
   readonly claimSuccessBanner: Locator;
   readonly claimSuccessInvoicesLink: Locator;
   readonly skippedDocumentsNote: Locator;
-  readonly step4BackButton: Locator;
+  readonly step5BackButton: Locator;
 
   // Claim confirm modal
   readonly claimConfirmModal: Locator;
@@ -210,21 +247,22 @@ export class ReportWizardPage {
     this.step3BackButton = this.step2BackButton;
     this.step3NextButton = this.step2NextButton;
 
+    this.reportLanguageGroup = page.getByRole('group', { name: 'Report language' });
     this.attachDocumentsCheckbox = page.locator('#attachDocuments');
     this.includeCoverLetterCheckbox = page.locator('#includeCoverLetter');
+    this.step4BackButton = this.step2BackButton;
+    this.step4NextButton = this.step2NextButton;
+
     this.previewWrapper = page.locator('[class*="pdfPreviewWrapper"]');
     this.previewIframe = page.locator('iframe[title="Report PDF preview"]');
     this.previewLoadingOverlay = page.locator('[class*="pdfLoadingOverlay"]');
     this.previewErrorFallback = page.locator('[class*="pdfFallback"]');
     this.previewRetryButton = this.previewErrorFallback.getByRole('button');
     this.downloadButton = page.getByRole('button', { name: 'Download PDF' });
-    // NOTE: `Step4Options.tsx` calls `t('sourceReports.markClaimed')` WITHOUT the `{count}`
-    // interpolation param the key requires ("Mark {{count}} invoices as claimed"), so the
-    // rendered text is currently the literal unresolved placeholder, not a real number. The
-    // regex below matches both the intended ("Mark 2 invoices as claimed") and the current
-    // broken ("Mark {{count}} invoices as claimed") text so this locator keeps working for
-    // triggering the click; a dedicated test asserts the intended digit rendering separately
-    // and is expected to fail until the bug is fixed (see filed bug report).
+    // `Step5Actions.tsx` (renamed from `Step4Options.tsx` — Story #1899) correctly passes
+    // `{ count: selectedInvoiceCount }` to `t('sourceReports.markClaimed')`. The regex still
+    // matches on the surrounding text rather than an exact digit so the locator doesn't need
+    // to change if the count itself varies per scenario.
     this.markClaimedButton = page.getByRole('button', { name: /Mark .+ invoices as claimed/i });
     this.finishWithoutMarkingButton = page.getByRole('button', { name: 'Finish without marking' });
     this.uploadPaperlessButton = page.getByRole('button', { name: 'Upload to Paperless' });
@@ -232,7 +270,7 @@ export class ReportWizardPage {
     this.claimSuccessBanner = page.locator('[class*="bannerSuccess"]');
     this.claimSuccessInvoicesLink = this.claimSuccessBanner.getByRole('link');
     this.skippedDocumentsNote = page.locator('[class*="skippedNote"]');
-    this.step4BackButton = page.locator('[class*="buttonRow"] [class*="btnSecondary"]').last();
+    this.step5BackButton = page.locator('[class*="buttonRow"] [class*="btnSecondary"]').last();
 
     this.claimConfirmModal = page.getByRole('dialog', { name: 'Mark Invoices as Claimed?' });
     this.claimConfirmModalBody = this.claimConfirmModal.locator('p');
@@ -457,7 +495,20 @@ export class ReportWizardPage {
     await this.step2BackButton.click();
   }
 
-  // ─── Step 4 ──────────────────────────────────────────────────────────────
+  // ─── Step 4: Settings ────────────────────────────────────────────────────
+
+  /**
+   * The report-language radio input for a given language (`input[name="reportLanguage"]`,
+   * literal `value="en"|"de"`). Unlike the step 1/2 radios, this one is a plain, NOT
+   * visually-hidden input — no `force: true` needed to click it directly.
+   */
+  reportLanguageRadio(lang: 'en' | 'de'): Locator {
+    return this.page.locator(`input[name="reportLanguage"][value="${lang}"]`);
+  }
+
+  async selectReportLanguage(lang: 'en' | 'de'): Promise<void> {
+    await this.reportLanguageRadio(lang).click();
+  }
 
   async toggleAttachDocuments(): Promise<void> {
     await this.attachDocumentsCheckbox.click();
diff --git a/e2e/tests/budget/reportWizard.spec.ts b/e2e/tests/budget/reportWizard.spec.ts
index fdb4de24e..d704ed2ca 100644
--- a/e2e/tests/budget/reportWizard.spec.ts
+++ b/e2e/tests/budget/reportWizard.spec.ts
@@ -15,6 +15,9 @@
  * - Scenario 10: Mobile stepper layout.
  * - Scenario 11: Cross-story integration — a refund entry (Issue #1876) surfaces as a
  *   negative line in a generated claim report.
+ * - Scenario 12: Story #1899 — selecting "Deutsch" on the new Settings step regenerates the
+ *   PDF preview (proven via a blob: src change) while the wizard's own chrome (heading,
+ *   stepper labels, Back/Next buttons) stays English throughout.
  *
  * NOTE ON CURRENT IMPLEMENTATION STATE: as of this story, `ReportWizardPage.tsx` calls
  * `setBudgetSources(sources)` with the raw `fetchBudgetSources()` response
@@ -28,7 +31,7 @@
  * accommodate buggy code) and will pass once the fix lands.
  *
  * PDF generation (pdfmake + pdf-lib via dynamic `import()`) can be slow, especially on a
- * cold chunk load — every scenario that reaches Step 4 uses `test.slow()`.
+ * cold chunk load — every scenario that reaches step 5 (the preview) uses `test.slow()`.
  */
 
 import { test, expect } from '../../fixtures/auth.js';
@@ -274,28 +277,25 @@ test.describe('Report wizard — claim walk (Scenario 1)', () => {
 
       await wizard.goNextFromStep3();
 
-      // Step 4: preview generates on entry.
-      await wizard.waitForPreviewReady();
-
-      // Toggle attach documents off then on — each toggle produces a genuinely new preview
-      // (proven by the iframe's blob: src changing, not by the loading spinner's transient
-      // visibility — see waitForPreviewRegenerated's docstring for why).
-      let previousSrc = await wizard.getPreviewSrc();
+      // Step 4: Settings — attach-documents/cover-letter toggles now live here, BEFORE the
+      // preview exists (the preview iframe is only mounted on step 5 — see ReportWizardPage.ts
+      // class docstring). Toggle each option off then on to exercise the controls directly;
+      // the regeneration this produces happens in the background and is proven once, below,
+      // via waitForPreviewReady() after advancing.
       await wizard.toggleAttachDocuments();
-      await wizard.waitForPreviewRegenerated(previousSrc);
-
-      previousSrc = await wizard.getPreviewSrc();
+      await expect(wizard.attachDocumentsCheckbox).not.toBeChecked();
       await wizard.toggleAttachDocuments();
-      await wizard.waitForPreviewRegenerated(previousSrc);
+      await expect(wizard.attachDocumentsCheckbox).toBeChecked();
 
-      // Toggle cover letter off then on — same regeneration proof.
-      previousSrc = await wizard.getPreviewSrc();
       await wizard.toggleCoverLetter();
-      await wizard.waitForPreviewRegenerated(previousSrc);
-
-      previousSrc = await wizard.getPreviewSrc();
+      await expect(wizard.includeCoverLetterCheckbox).not.toBeChecked();
       await wizard.toggleCoverLetter();
-      await wizard.waitForPreviewRegenerated(previousSrc);
+      await expect(wizard.includeCoverLetterCheckbox).toBeChecked();
+
+      await wizard.step4NextButton.click();
+
+      // Step 5: preview generates/settles once we land here with the final Settings state.
+      await wizard.waitForPreviewReady();
 
       // Download — filename `claim-<slug>-<date>.pdf`.
       const today = new Date().toISOString().slice(0, 10);
@@ -342,7 +342,7 @@ test.describe('Report wizard — claim walk (Scenario 1)', () => {
 // ─────────────────────────────────────────────────────────────────────────────
 
 test.describe('Report wizard — budget overview smoke (Scenario 2)', () => {
-  test('Quotation invoices appear in step 3 and reach a downloadable step 4', async ({
+  test('Quotation invoices appear in step 3 and reach a downloadable step 5', async ({
     page,
     testPrefix,
   }) => {
@@ -379,6 +379,7 @@ test.describe('Report wizard — budget overview smoke (Scenario 2)', () => {
       ).toBeVisible();
 
       await wizard.goNextFromStep3();
+      await wizard.step4NextButton.click();
       await wizard.waitForPreviewReady();
       await expect(wizard.downloadButton).toBeEnabled();
     } finally {
@@ -556,6 +557,7 @@ test.describe('Report wizard — Paperless upload (Scenarios 5 & 6)', () => {
         wizard.regularInvoiceRow(`${testPrefix} Upload Vendor`, invoice.invoiceNumber!),
       ).toBeVisible();
       await wizard.goNextFromStep3();
+      await wizard.step4NextButton.click();
       await wizard.waitForPreviewReady();
 
       await expect(wizard.uploadPaperlessButton).toBeVisible();
@@ -607,6 +609,7 @@ test.describe('Report wizard — Paperless upload (Scenarios 5 & 6)', () => {
         wizard.regularInvoiceRow(`${testPrefix} NoUpload Vendor`, invoice.invoiceNumber!),
       ).toBeVisible();
       await wizard.goNextFromStep3();
+      await wizard.step4NextButton.click();
       await wizard.waitForPreviewReady();
 
       await expect(wizard.uploadPaperlessButton).toHaveCount(0);
@@ -660,13 +663,14 @@ test.describe('Report wizard — sourceId prefill (Scenario 7)', () => {
       // Picking the use case fires the effect that pre-loads the report for the pre-checked
       // ?sourceId= source — walk the rest of the wizard through to prove the deep link no
       // longer dead-ends: step 3 shows the seeded invoice (report actually loaded, not stuck
-      // on the skeleton) and step 4's preview becomes ready.
+      // on the skeleton) and step 5's preview becomes ready.
       await wizard.goNextFromStep2();
       await expect(
         wizard.regularInvoiceRow(`${testPrefix} Prefill Vendor`, invoice.invoiceNumber!),
       ).toBeVisible();
 
       await wizard.goNextFromStep3();
+      await wizard.step4NextButton.click();
       await wizard.waitForPreviewReady();
       await expect(wizard.downloadButton).toBeEnabled();
     } finally {
@@ -687,6 +691,8 @@ test.describe('Report wizard — route smoke (Scenario 8)', { tag: '@responsive'
     await wizard.goto();
     await expect(wizard.heading).toHaveText('Bank Reports');
     await expect(wizard.useCaseRadioGroup).toBeVisible();
+    // 5 steps as of Story #1899 (Settings inserted at position 4).
+    await expect(wizard.stepItems).toHaveCount(5);
   });
 });
 
@@ -695,28 +701,54 @@ test.describe('Report wizard — route smoke (Scenario 8)', { tag: '@responsive'
 // ─────────────────────────────────────────────────────────────────────────────
 
 test.describe('Report wizard — forward-lock (Scenario 9)', () => {
-  test('Step 4 is not clickable in the stepper from step 3', async ({ page, testPrefix }) => {
+  test('Step 4 is not clickable in the stepper from step 3, and step 5 is not clickable from step 4', async ({
+    page,
+    testPrefix,
+  }) => {
     const wizard = new ReportWizardPage(page);
 
+    let vendorId = '';
     let sourceId = '';
+    let workItemId = '';
     try {
+      vendorId = await createVendorViaApi(page, { name: `${testPrefix} Lock Vendor` });
       sourceId = await createBudgetSourceViaApi(page, {
         name: `${testPrefix} Lock Source`,
         totalAmount: 10000,
       });
+      workItemId = await createWorkItemViaApi(page, { title: `${testPrefix} WI Lock` });
+      // A real allocated invoice is required so step 3's Next button is enabled — otherwise
+      // this source's report has zero rows and the "select at least one" guard would block
+      // reaching step 4 at all.
+      const invoice = await seedAllocatedInvoice(page, workItemId, vendorId, sourceId, {
+        invoiceNumber: `${testPrefix}-LOCK-001`,
+        amount: 100,
+        date: '2026-05-01',
+        status: 'pending',
+      });
 
       await wizard.goto();
       await wizard.selectUseCase('claim');
       await wizard.goNextFromStep1();
       await wizard.selectSource(sourceId);
       await wizard.goNextFromStep2();
+      await expect(
+        wizard.regularInvoiceRow(`${testPrefix} Lock Vendor`, invoice.invoiceNumber!),
+      ).toBeVisible();
 
       // maxReachedStep is 3 here — step 4's stepper item must render as a non-interactive
       // element (no <button>), not merely a disabled one.
       expect(await wizard.isStepInteractive(4)).toBe(false);
       await expect(wizard.stepItems.nth(3).locator('button')).toHaveCount(0);
+
+      // Advancing to step 4 (Settings) bumps maxReachedStep to 4 — step 5 must still be locked.
+      await wizard.goNextFromStep3();
+      expect(await wizard.isStepInteractive(5)).toBe(false);
+      await expect(wizard.stepItems.nth(4).locator('button')).toHaveCount(0);
     } finally {
+      if (workItemId) await deleteWorkItemViaApi(page, workItemId);
       if (sourceId) await deleteBudgetSourceViaApi(page, sourceId);
+      if (vendorId) await deleteVendorViaApi(page, vendorId);
     }
   });
 });
@@ -726,15 +758,15 @@ test.describe('Report wizard — forward-lock (Scenario 9)', () => {
 // ─────────────────────────────────────────────────────────────────────────────
 
 test.describe('Report wizard — mobile stepper (Scenario 10)', { tag: '@responsive' }, () => {
-  test('Shows "Step N of 4" + dots instead of the desktop stepper', async ({ page }) => {
+  test('Shows "Step N of 5" + dots instead of the desktop stepper', async ({ page }) => {
     test.skip(test.info().project.name !== 'mobile', 'Mobile-only layout check');
     const wizard = new ReportWizardPage(page);
     await wizard.goto();
 
     await expect(wizard.mobileStepCount).toBeVisible();
     await expect(wizard.mobileStepCount).toContainText('1');
-    await expect(wizard.mobileStepCount).toContainText('4');
-    await expect(wizard.mobileDots).toHaveCount(4);
+    await expect(wizard.mobileStepCount).toContainText('5');
+    await expect(wizard.mobileDots).toHaveCount(5);
     // WizardStepper renders BOTH the desktop <ol class="stepList"> and the mobile
     // stepperMobile tree unconditionally, toggling which is shown purely via a
     // `@media (max-width: 767px)` CSS rule (WizardStepper.module.css) — the desktop tree is
@@ -832,3 +864,95 @@ test.describe('Report wizard — refund cross-story integration (Scenario 11)',
     }
   });
 });
+
+// ─────────────────────────────────────────────────────────────────────────────
+// Scenario 12: German report language from an English UI (Story #1899)
+// ─────────────────────────────────────────────────────────────────────────────
+
+test.describe('Report wizard — German report language from English UI (Scenario 12)', () => {
+  test('Selecting Deutsch on the Settings step regenerates the preview while the wizard chrome stays English', async ({
+    page,
+    testPrefix,
+  }) => {
+    test.slow();
+    const wizard = new ReportWizardPage(page);
+
+    let vendorId = '';
+    let sourceId = '';
+    let workItemId = '';
+
+    try {
+      vendorId = await createVendorViaApi(page, { name: `${testPrefix} Lang Vendor` });
+      sourceId = await createBudgetSourceViaApi(page, {
+        name: `${testPrefix} Lang Source`,
+        totalAmount: 20000,
+      });
+      workItemId = await createWorkItemViaApi(page, { title: `${testPrefix} WI Lang` });
+      await seedAllocatedInvoice(page, workItemId, vendorId, sourceId, {
+        invoiceNumber: `${testPrefix}-LANG-001`,
+        amount: 450,
+        date: '2026-05-15',
+        status: 'pending',
+      });
+
+      await wizard.goto();
+      await wizard.selectUseCase('claim');
+      await wizard.goNextFromStep1();
+      await wizard.selectSource(sourceId);
+      await wizard.goNextFromStep2();
+      await wizard.goNextFromStep3();
+
+      // Settings step — chrome (heading, stepper labels, buttons) is rendered via the app's
+      // own English `t`, entirely independent of `reportLanguage`, which only feeds
+      // `generateReportPdf`'s fixed-locale t/formatters pair (ReportWizardPage.tsx).
+      await expect(page.getByRole('heading', { name: 'Settings', level: 2 })).toBeVisible();
+      await expect(wizard.stepItems.nth(3)).toContainText('Settings');
+      await expect(wizard.stepItems.nth(4)).toContainText('Preview & Export');
+      await expect(wizard.step4BackButton).toHaveText('Back');
+      await expect(wizard.step4NextButton).toHaveText('Next');
+
+      // Default selection is the resolved app locale — English here.
+      await expect(wizard.reportLanguageRadio('en')).toBeChecked();
+      await expect(wizard.reportLanguageRadio('de')).not.toBeChecked();
+
+      // Reach step 5 once with the default (English) report language to capture a baseline
+      // preview src — the Settings step itself has no preview iframe (see the POM's class
+      // docstring), so this proof can only happen once we're on step 5.
+      await wizard.step4NextButton.click();
+      await wizard.waitForPreviewReady();
+      const englishSrc = await wizard.getPreviewSrc();
+
+      // Back to Settings, switch to Deutsch, advance again — the regenerated preview must be
+      // a genuinely different blob (proving the language change actually re-ran PDF
+      // generation), while the wizard chrome never switches out of English.
+      await wizard.step5BackButton.click();
+      await wizard.selectReportLanguage('de');
+      await expect(wizard.reportLanguageRadio('de')).toBeChecked();
+      await expect(wizard.reportLanguageRadio('en')).not.toBeChecked();
+
+      await wizard.step4NextButton.click();
+      await wizard.waitForPreviewRegenerated(englishSrc);
+
+      // Wizard chrome — heading, stepper labels, action buttons — stays English regardless of
+      // the report's own selected language. No PDF byte-content assertions here: the actual
+      // German PDF text is covered by the Jest `realRender` test (see the story's QA spec).
+      await expect(wizard.heading).toHaveText('Bank Reports');
+      await expect(wizard.stepItems.nth(3)).toContainText('Settings');
+      await expect(wizard.stepItems.nth(4)).toContainText('Preview & Export');
+      await expect(wizard.step5BackButton).toHaveText('Back');
+
+      // Download still succeeds with the unaffected (untranslated) filename pattern.
+      const today = new Date().toISOString().slice(0, 10);
+      const slug = `${testPrefix} Lang Source`
+        .toLowerCase()
+        .replace(/\s+/g, '-')
+        .replace(/[^\w-]/g, '');
+      const download = await wizard.download();
+      expect(download.suggestedFilename()).toBe(`claim-${slug}-${today}.pdf`);
+    } finally {
+      if (workItemId) await deleteWorkItemViaApi(page, workItemId);
+      if (sourceId) await deleteBudgetSourceViaApi(page, sourceId);
+      if (vendorId) await deleteVendorViaApi(page, vendorId);
+    }
+  });
+});
diff --git a/e2e/tests/budget/reportWizardExpansion.spec.ts b/e2e/tests/budget/reportWizardExpansion.spec.ts
index d5d93f79d..38b199fe1 100644
--- a/e2e/tests/budget/reportWizardExpansion.spec.ts
+++ b/e2e/tests/budget/reportWizardExpansion.spec.ts
@@ -54,7 +54,7 @@
  * data-integrity one. Scenario 4 below is the regression guard for this fix.
  *
  * PDF generation (pdfmake + pdf-lib via dynamic `import()`) can be slow, especially on a cold
- * chunk load — every scenario that reaches Step 4 uses `test.slow()`.
+ * chunk load — every scenario that reaches step 5 (the preview) uses `test.slow()`.
  */
 
 import { test, expect } from '../../fixtures/auth.js';
@@ -250,6 +250,8 @@ test.describe('Report wizard expansion — CSP frame-src headline (Scenario 1)',
         wizard.regularInvoiceRow(`${testPrefix} CSP Vendor`, invoice.invoiceNumber!),
       ).toBeVisible();
       await wizard.goNextFromStep3();
+      // Step 4 (Settings) has no preview — advance to step 5 to reach it (Story #1899).
+      await wizard.step4NextButton.click();
 
       // waitForPreviewReady() already runs the hardened CSP-header + zero-CSP-message proof
       // internally (see ReportWizardPage.ts's assertPreviewHardened docstring) — this scenario
@@ -428,14 +430,17 @@ test.describe('Report wizard expansion — line exclusion updates row, total, an
         wizard.itemRow(vendorName, invoice.invoiceNumber!, `${testPrefix} Line B`),
       ).toContainText('200');
 
-      // Reach step 4 once to capture a baseline preview src.
+      // Reach step 5 once (via the Settings step, which has no preview — Story #1899) to
+      // capture a baseline preview src.
       await wizard.goNextFromStep3();
+      await wizard.step4NextButton.click();
       await wizard.waitForPreviewReady();
       const previousSrc = await wizard.getPreviewSrc();
 
-      // Back to step 3 — ReportInvoiceList remounts (resetting local expand state) but
-      // excludedLineIds/excludedInvoiceIds live in ReportWizardPage and persist across the
-      // step navigation.
+      // Back to step 3 (two steps: step 5 -> Settings -> invoices) — ReportInvoiceList
+      // remounts (resetting local expand state) but excludedLineIds/excludedInvoiceIds live in
+      // ReportWizardPage and persist across the step navigation.
+      await wizard.goBack();
       await wizard.goBack();
       await wizard.invoiceExpandToggle(vendorName, invoice.invoiceNumber!).click();
       await wizard
@@ -449,9 +454,10 @@ test.describe('Report wizard expansion — line exclusion updates row, total, an
       // Running total in the SelectionActionBar reflects the same 500 -> 300 drop.
       await expect(wizard.selectionCountLabel).toContainText('300');
 
-      // Advancing to step 4 again proves the PDF preview regenerated for the new exclusion
-      // state (new blob: src, hardened frame-navigation + zero-CSP proof).
+      // Advancing to step 5 again (via Settings) proves the PDF preview regenerated for the
+      // new exclusion state (new blob: src, hardened frame-navigation + zero-CSP proof).
       await wizard.goNextFromStep3();
+      await wizard.step4NextButton.click();
       await wizard.waitForPreviewRegenerated(previousSrc);
     } finally {
       if (workItemAId) await deleteWorkItemViaApi(page, workItemAId);
@@ -691,6 +697,7 @@ test.describe('Report wizard expansion — claim warning count (Scenario 6)', ()
       );
 
       await wizard.goNextFromStep3();
+      await wizard.step4NextButton.click();
       await wizard.waitForPreviewReady();
 
       await wizard.clickMarkClaimed();

From c6001135850bb2bedc4d50bea570f742f0d85e99 Mon Sep 17 00:00:00 2001
From: Frank Steiler <frank@steiler.dev>
Date: Fri, 31 Jul 2026 12:24:47 +0200
Subject: [PATCH 2/3] docs(memory): note self-review PR block keys to gh auth
 identity, not displayed author
MIME-Version: 1.0
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit

PR #1903 showed a human GitHub username as author but gh pr review --approve
still failed with "Can not approve your own pull request" — record that the
check isn't reliably predictable from author.login.

Co-Authored-By: Claude ux-designer (Sonnet 4.6) <noreply@anthropic.com>
---
 .claude/agent-memory/ux-designer/MEMORY.md | 2 +-
 1 file changed, 1 insertion(+), 1 deletion(-)

diff --git a/.claude/agent-memory/ux-designer/MEMORY.md b/.claude/agent-memory/ux-designer/MEMORY.md
index 019405bc0..bd78c764d 100644
--- a/.claude/agent-memory/ux-designer/MEMORY.md
+++ b/.claude/agent-memory/ux-designer/MEMORY.md
@@ -20,7 +20,7 @@
 - `role="status"` already implies `aria-live="polite"` — never add both attributes.
 - `BadgeVariantMap` entries need both `label` and `className` — a missing `className` makes the variant's style dead on arrival.
 - New component reuse audit: check `Badge`, `SearchPicker`, `Modal`, `Skeleton`, `EmptyState`, `FormError` before proposing anything new; see [component-patterns.md](component-patterns.md) for established section-card/badge/picker conventions.
-- Cannot `gh pr review --request-changes` **or** `--approve` on your own PRs (GraphQL rejects both, not just request-changes) — post a `gh pr comment` instead, with an explicit "Verdict: APPROVED/CHANGES_REQUIRED" line in the body. If a specific invocation is blocked by the sandbox's permission system, treat that as a real denial: report it to the orchestrator and let the human-configured policy decide — do not engineer alternative invocations to route around a block.
+- Cannot `gh pr review --request-changes` **or** `--approve` on your own PRs (GraphQL rejects both, not just request-changes) — post a `gh pr comment` instead, with an explicit "Verdict: APPROVED/CHANGES_REQUIRED" line in the body. This block is keyed to the underlying `gh` auth identity, not the PR's displayed `author.login` — a PR showing a human GitHub username (e.g. the repo owner) as author still hit "Can not approve your own pull request" (PR #1903), so don't skip the self-review check just because `gh pr view --json author` shows a person's name. If a specific invocation is blocked by the sandbox's permission system, treat that as a real denial: report it to the orchestrator and let the human-configured policy decide — do not engineer alternative invocations to route around a block.
 - No segmented-control component exists in the app — for a "choose one of N" form field that isn't a `<select>`, reuse the plain `<input type="radio">` + `role="group"` pattern from `AutoItemizePage.module.css` `.modeSelector` (the only radio group in the codebase) rather than inventing a segmented/button-group look. See Issue #1876 in [feature-spec-history.md](feature-spec-history.md).
 - For a "this is a negative/refund/adjustment row" signal, don't rely on red text color alone — pair it with a `Badge` carrying a real text label (reuse `--color-status-blocked-bg`/`-text`, the existing red badge pair — there's no separate `--color-danger-badge-*` family) plus `formatCurrency(-amount)`'s literal minus sign. Don't recolor a _computed remainder_ (e.g. "remaining amount") red just because refunds reduce it — that falsely implies an error state; only the actual refund row gets the negative treatment.
 - `Intl.NumberFormat` enables thousands-grouping by default; `toFixed()`/manual string-building never did. When a PR swaps a `toFixed()` call for a locale formatter, script-verify the _old vs new_ output isn't just per-locale-correct but also identical for large values (≥1000) — grouping separators are an easy-to-miss 3rd English-output regression beyond whatever the PR explicitly discloses. See PR #1845 in [pr-review-findings.md](pr-review-findings.md).

From 898385296c2b8356ba683861d45e20be6d737af9 Mon Sep 17 00:00:00 2001
From: Frank Steiler <frank@steiler.dev>
Date: Fri, 31 Jul 2026 12:30:17 +0200
Subject: [PATCH 3/3] fix(reports): derive report-language default from live
 locale context

Seeding useState(resolvedLocale) captured the first-render value only;
LocaleContext.syncWithServer applies the stored locale asynchronously,
so a hard load could pre-select the wrong report language. The default
now derives from resolvedLocale until the user explicitly overrides it.

Co-Authored-By: Claude frontend-developer (Haiku 4.5) <noreply@anthropic.com>
---
 .../product-architect/client-pdf-pipeline.md  | 21 +++++++++++++++++++
 .../product-architect/story-reviews.md        | 19 +++++++++++++++++
 .claude/agent-memory/product-owner/MEMORY.md  |  2 +-
 .../product-owner/pr-review-patterns.md       |  1 +
 .../ReportWizardPage/ReportWizardPage.tsx     |  7 ++++---
 5 files changed, 46 insertions(+), 4 deletions(-)

diff --git a/.claude/agent-memory/product-architect/client-pdf-pipeline.md b/.claude/agent-memory/product-architect/client-pdf-pipeline.md
index d42d57651..352166874 100644
--- a/.claude/agent-memory/product-architect/client-pdf-pipeline.md
+++ b/.claude/agent-memory/product-architect/client-pdf-pipeline.md
@@ -80,3 +80,24 @@ and pdf-lib merges/appends existing Paperless PDFs -- pdfmake cannot embed forei
 
 `GET /api/source-reports`, `POST /api/source-reports/mark-claimed`,
 `POST /api/paperless/documents`, `GET /api/paperless/documents/:id/preview`.
+
+## Report language is decoupled from the UI locale (Story #1899, PR #1903)
+
+The report's language is chosen per-run in the wizard's Settings step and is **independent of the
+app's ambient locale**. Two locale-bound artifacts are built in `ReportWizardPage.tsx` and passed
+into `generateReportPdf` -- nothing else in the pipeline is locale-aware:
+
+- `reportT = i18n.getFixedT(reportLanguage, 'budget')` -- works synchronously because
+  `client/src/i18n/index.ts` statically imports *both* `en` and `de` bundles into one `resources`
+  object. **Never call `i18n.changeLanguage()` to switch report language** -- that mutates the app UI.
+- `reportFormatters = createFormatters(localeTag, currency)` in `client/src/lib/formatters.ts`.
+  `useFormatters()` is now a thin wrapper over the same factory, so UI and report formatting can
+  never diverge in implementation (only in bound locale).
+
+Why `reportPdf/*` needed zero changes: `merge.ts` / `overviewPdf.ts` / `coverLetterPdf.ts` already
+took `t: TFunction` + `formatters?: Formatters` params and contain **no** ambient `i18n`, `Intl.`, or
+`toLocale*` usage, and **no namespace-prefixed keys** (all keys are bare `sourceReports.*` in the
+`budget` ns). Preserve both properties -- a single `t('common:…')` call or a raw `Intl` use inside
+`reportPdf/` would silently leak the UI locale into the exported PDF.
+
+TODO (mine): ADR-034 does not yet record this contract. Add it.
diff --git a/.claude/agent-memory/product-architect/story-reviews.md b/.claude/agent-memory/product-architect/story-reviews.md
index 9fd55a60d..fb03ff5e9 100644
--- a/.claude/agent-memory/product-architect/story-reviews.md
+++ b/.claude/agent-memory/product-architect/story-reviews.md
@@ -205,3 +205,22 @@ Request changes (2 critical, 3 high, 2 medium):
 
 Round 1 CHANGES_REQUIRED (1 critical: Rail A/B double-count), round 2 APPROVED after commit 86a9770a.
 Full invariants and review heuristics in `dual-rail-aggregation.md`.
+
+## PR #1903 (2026-07-31) -- Story #1899 report-language Settings step (5-step wizard)
+
+APPROVED (2 medium, 3 low). Architecture verified sound; see `client-pdf-pipeline.md` for the
+locale-decoupling contract this established.
+
+- **M1**: `reportLanguage` seeded once via `useState(resolvedLocale)`. `LocaleContext.syncWithServer`
+  sets `resolvedLocale` *asynchronously* after auth AND deletes the `locale` localStorage key when
+  the server has a preference -- so every load starts at `detectBrowserLocale()` and flips later.
+  Any component seeding state from `resolvedLocale` at mount has this bug. **Reusable review check:
+  never `useState(resolvedLocale)` / `useState(currency)` / `useState(vatRate)` without a
+  seed-until-touched effect.** jsdom tests can't catch it (LocaleProvider's async paths never resolve).
+- **M2**: `resolvedLocale === 'de' ? 'de-DE' : 'en-US'` duplicated in `formatters.ts` and the page.
+  Needs one exported `resolvedLocaleToIntlTag()` -- silent divergence risk on a 3rd locale.
+- L: `.step4Body/.step4Layout/.step4Column` class names + `stepper.options` key left off-by-one
+  after the renumber; `createFormatters` return type written inline instead of a named interface;
+  filename AC vacuously satisfied (ISO date + raw enum, nothing locale-dependent -- flag to PO).
+- CI: Quality Gates green; E2E shard 5/16 red (known recurring flake in this wizard area -- must be
+  triaged before beta->main, not before the beta merge).
diff --git a/.claude/agent-memory/product-owner/MEMORY.md b/.claude/agent-memory/product-owner/MEMORY.md
index 7cee5ca69..f7429ab5d 100644
--- a/.claude/agent-memory/product-owner/MEMORY.md
+++ b/.claude/agent-memory/product-owner/MEMORY.md
@@ -37,7 +37,7 @@ Full detail in [standalone-bugs-and-stories.md](standalone-bugs-and-stories.md)
 - Auto-itemize: #1545/#1546/#1547 mini-epic (2026-05-21), #1600 (2026-05-26), **#1833 duplicate budget lines on commit retry (2026-07-07)**
 - Diary: #1426 critical photo data loss (2026-05-15)
 - Photo: #1723 lightbox picker UX (2026-06-16)
-- **Bank Report Wizard mini-epic** (no parent epic): #1876 refunds (PR #1880) → #1877 contact/household/attachment typing (PR #1883) → #1878 report backend → #1879 wizard+PDF (PR #1887, CHANGES_REQUIRED then **APPROVED** round 2, 2026-07-30). Domain decisions, contract facts (refund sign, `isSplit`, `totalAmount` scope) and deferrals in [bank-report-wizard.md](bank-report-wizard.md). **Refinement Round 2** (2026-07-31, no parent epic, all Todo): #1898 report table refinements → #1899 settings step + report language → #1900 editable HTML preview → #1901 AI usage/cover-letter generation. Open: **#1891** user-verification follow-up (Todo, PR #1894 **APPROVED** 32/32 round 2, 2026-07-30 — 2 wiki MUST FIX outstanding); **#1888** stage-matched attachment indicator (Backlog, blocked-by #1879); **#1895** HIGH claim close-out cross-source sweep, **#1896** quotation-deposit 409 (blocked-by #1895), **#1897** deposit-blind drill-down — all Backlog, from the #1891 architect audit; E2E shard 5 pre-existing flake must be triaged before promoting to `main`.
+- **Bank Report Wizard mini-epic** (no parent epic): #1876 refunds (PR #1880) → #1877 contact/household/attachment typing (PR #1883) → #1878 report backend → #1879 wizard+PDF (PR #1887, CHANGES_REQUIRED then **APPROVED** round 2, 2026-07-30). Domain decisions, contract facts (refund sign, `isSplit`, `totalAmount` scope) and deferrals in [bank-report-wizard.md](bank-report-wizard.md). **Refinement Round 2** (2026-07-31, no parent epic, all Todo): #1898 report table refinements (PR #1902, merged) → #1899 settings step + report language (PR #1903, PO review 2026-07-31: **APPROVED w/ 1 MUST FIX** — 5-step wizard, `getFixedT`/`createFormatters` threading and en/de report output all verified; AC 2.2 default-locale seeding is stale on hard load, see [pr-review-patterns.md](pr-review-patterns.md) `useState(contextValue)` entry) → #1900 editable HTML preview → #1901 AI usage/cover-letter generation. Open: **#1891** user-verification follow-up (Todo, PR #1894 **APPROVED** 32/32 round 2, 2026-07-30 — 2 wiki MUST FIX outstanding); **#1888** stage-matched attachment indicator (Backlog, blocked-by #1879); **#1895** HIGH claim close-out cross-source sweep, **#1896** quotation-deposit 409 (blocked-by #1895), **#1897** deposit-blind drill-down — all Backlog, from the #1891 architect audit; E2E shard 5 pre-existing flake must be triaged before promoting to `main`.
 
 ## Requirements Coverage
 
diff --git a/.claude/agent-memory/product-owner/pr-review-patterns.md b/.claude/agent-memory/product-owner/pr-review-patterns.md
index 24696b13c..b94ee9171 100644
--- a/.claude/agent-memory/product-owner/pr-review-patterns.md
+++ b/.claude/agent-memory/product-owner/pr-review-patterns.md
@@ -80,6 +80,7 @@ When a PR adds a mobile card list beside a desktop table, re-check rather than a
 - **Duplicate fetch logic** — `useEffect` fetch body duplicated for re-fetch after delete; extract shared fetch.
 - **Dead placeholder pages after route refactor** — PR #150 left old BudgetPage after swapping to BudgetCategoriesPage. Delete orphans.
 - **COOKIE_NAME duplication** — triplicated across `plugins/auth.ts`, `routes/auth.ts`, `routes/oidc.ts`. Extract to shared constant.
+- **`useState(contextValue)` seeding from LocaleContext/ThemeContext is stale-prone** — `useState(resolvedLocale)` only runs its initializer on first render, but `LocaleContext.syncWithServer` (fired from `App.tsx`'s `LocaleServerSync` after auth) applies the server-stored locale *asynchronously* AND clears `localStorage`, so every later hard load starts at the browser-detected locale before flipping. Any page seeding state from `resolvedLocale`/`currency`/`vatRate` at mount can capture the pre-sync value and never correct. Fix pattern: `const [override, setOverride] = useState<T | null>(null); const value = override ?? contextValue;` — default tracks context, explicit choice sticks. Found in PR #1903 (AC "defaults to my current UI locale"). Same class of bug applies to `ThemeContext.syncWithServer`.
 
 ## Chore/Maintenance PR patterns
 
diff --git a/client/src/pages/ReportWizardPage/ReportWizardPage.tsx b/client/src/pages/ReportWizardPage/ReportWizardPage.tsx
index c3c461835..185c28c11 100644
--- a/client/src/pages/ReportWizardPage/ReportWizardPage.tsx
+++ b/client/src/pages/ReportWizardPage/ReportWizardPage.tsx
@@ -52,8 +52,9 @@ export function ReportWizardPage() {
   // Focus management for step headings
   const stepHeadingsRef = useRef<(HTMLHeadingElement | null)[]>([]);
 
-  // Report language selection
-  const [reportLanguage, setReportLanguage] = useState<ResolvedLocale>(resolvedLocale);
+  // Report language selection (derived default: override takes precedence, falls back to resolvedLocale)
+  const [reportLanguageOverride, setReportLanguageOverride] = useState<ResolvedLocale | null>(null);
+  const reportLanguage = reportLanguageOverride ?? resolvedLocale;
 
   // Use case selection
   const [useCase, setUseCase] = useState<SourceReportType | null>(null);
@@ -614,7 +615,7 @@ export function ReportWizardPage() {
             </h2>
             <Step4Settings
               reportLanguage={reportLanguage}
-              onReportLanguageChange={setReportLanguage}
+              onReportLanguageChange={setReportLanguageOverride}
               attachDocuments={attachDocuments}
               onAttachDocumentsChange={setAttachDocuments}
               includeCoverLetter={includeCoverLetter}