mroe docs

diff --git a/docs/spending-policy.md b/docs/spending-policy.md
index 859eb19..11317f7 100644
--- a/docs/spending-policy.md
+++ b/docs/spending-policy.md
@@ -1,7 +1,114 @@
 # Spending Policy
 
-A special mode where your coldcard will stop you from signing transactions if
-they exceed a spending policy you define beforehand.
+This special mode will stop you from signing transactions if they
+exceed a spending policy you define beforehand. Once enabled, many
+features of the COLDCARD are disabled or inaccessible.
+
+You might want to use this feature when traveling with your COLDCARD.
+
+## Spending Policy: Multisig (formerly CCC)
+
+We also support a mode where the COLDCARD is a multisig co-signer
+and only performs its signature when a spending policy is met. The
+other multisig signers are free to sign or not sign as appropriate.
+
+Multisig mode is more advanced and requires use of multisig addresses,
+new UTXO, and cooperating multisig on-chain wallets.
+
+This document will only discuss the "Single signer" version of
+Spending Policy. Both modes can be active at the same time, but if
+a transaction would be signed by Multisig policy, then we assume
+it's also okay to sign your main key as well.
+
+# Before You Start
+
+When a Spending Policy is in effect, there are limitations
+in effect:
+
+- Firmware updates are blocked.
+- There is no way to backup the COLDCARD
+- Seed vault and Secure Notes are read-only (and can also be hidden).
+- Settings menu is inaccessible.
+
+We recommend getting the COLDCARD fully configured and setup
+for typical transactions before enabling the Spending Policy.
+
+# Setup Spending Policy
+
+Visit `Advanced / Tool > Spending Policy" menu and choose
+"Single-Signer". First some background information is shown,
+then you are prompted to define the "Bypass PIN". This PIN code
+is only used when you need to disable the spending policy, but is 
+also the only way to do so once enabled... so don't loose it.
+
+Once the "Bypass PIN" is confirmed, you will arrive at menu for
+related settings. Use "Edit Policy..." to change the spending policy
+and define a Max Magnitude (limit number of BTC per transaction),
+Velocity (minimum time gaps between signed transactions). You can
+define a whitelist of up to 25 destination addresses (leave empty
+for any). Finally you can enroll your phone in 2FA (second factor)
+so that you must open an Authenticator app on your phone before
+transactions are signed.
+
+## Other Security Settings
+
+In addition to policy itself, there are a number of on/off
+switches which affect operation of the COLDCARD while the Spending
+Policy is in effect:
+
+### Word Check
+
+If enabled, you will have to enter the first and last seed word
+after the Bypass PIN as an additional security check.
+
+### Allow Notes
+
+On the Q, secure notes and passwords may be visible or hidden
+using this setting. In either case they are strictly readonly.
+
+### Related Keys
+
+BIP-39 passphrase entry, Seed Vault usage can be blocked with
+this setting. Even when enabled, the Seed Vault is always readonly.
+
+# Other Menu Items
+
+## Last Violation
+
+If you have recently tried and failed to sign a transaction, the
+reason for the transaction being rejected can be viewed and cleared,
+using menu item "Last Violation". It is shown only if a Spending
+Policy violation (attempt) has occurred since the last valid signing.
+
+This is meant as a debugging tool, and the information stored is
+terse.
+
+## Remove Policy
+
+This will remove your spending policy completely and remove
+the Bypass PIN. Your COLDCARD will be back to normal.
+
+## Test Drive
+
+Experiment with how the COLDCARD will function if the Spending
+Policy was enabled. You can try to sign transactions that should
+be rejected and view the menus in the new mode without rebooting.
+
+Choose "EXIT TEST DRIVE" on top menu to return to the Spending
+Policy menu. Reboot will also restore normal operation without
+any special challenges.
+
+## ACTIVATE
+
+This step will enable the Spending Policy and return to the
+main menu with it in effect. When you reboot the COLDCARD,
+the policy will still be in effect. You must use the
+Bypass PIN, followed by the normal main PIN, possibly
+followed by entering the first and last words of your seed
+phrase, before you can disable and change the policy.
+
+We recommend test-driving the feature before doing that.
+
 
 # Tips and Tricks
 
@@ -11,7 +118,7 @@ You could setup a Coldcard for another person, perhaps a family member,
 and enable web 2FA authentication. There does not need to be any
 other spending policy limits (velocity could be unlimited).
 
-Then enrol your own phone with the required 2FA values, and
+Then enroll your own phone with the required 2FA values, and
 keep both that and the spending policy bypass PIN confidential.
 
 The holder the the Coldcard will need a 2FA code from your phone
@@ -23,34 +130,27 @@ Because a spending policy is in effect, they will not be able to
 see the seed words, other private key material, so regardless of
 any spoofing or phishing, they cannot move funds without your help.
 
-You should record the bypass PIN in a safe way, so it can be revelaed
+You should record the bypass PIN, so it can be revealed somehow,
 should you die. You do not need to share the risks associated with
-holding a copy of their seed words.
-
-## Lock Out Changes to Policy
-
-You may go into the Trick Pin menu, find the Bypass PIN there.  You
-could delete or "hide" it. Hiding it is pointless since you cannot
-get to the trick PIN while the policy is in effect. Deleting the
-PIN however, is useful because it assures changes to spending policy
-are impossible. To recover the COLDCARD when this move is later
-regretted, under Advanced, there is "Destroy Seed" option which
-will clear the seed words and all settings, including the spending policy.
+holding a copy of the seed words.
 
 ## Passphrase Considerations
 
 If you are using a BIP-39 passphrase for everything, you should
 probably do a "Lock Down Seed" (Advanced/Tools > Danger Zone > Seed
-Functions) first. This takes your master seed and bip-39 passphrase
+Functions) first. This takes your master seed and BIP-39 passphrase
 and cooks them together into an XPRV which then is stored as your
-master secret (not a seed phrase anymore). This process cannot be
-reversed, so other funds you may have on the same seed words are
-protected. Once you are operating in XPRV mode, you can define a
-spending policy and know that it is restricted to only that wallet.
-
-You can also block access to other related keys, which removes the 
-"Passphrase" entry option from the main menu, but that protection
-doesn seem as strong.
+master secret. (It is not a seed phrase anymore.) This process
+cannot be reversed, so other funds you may have on the same seed
+words are protected. Once you are operating in XPRV mode, you can
+define a spending policy and know that it is restricted to only
+that wallet.
+
+You could, alternatively, can also block access to other related
+keys, which removes the "Passphrase" entry option from the main
+menu, but that protection doesn't seem as strong. When operating in
+XPRV mode, the "Passphrase" menu item is not shown because
+BIP-39 passwords cannot be applied to XPRV secrets.
 
 ## Trick PIN Thoughts
 
@@ -59,13 +159,24 @@ remember that you should assume the attacker already has your main
 PIN. That's how they know they cannot spend all your coin, because
 they either tried to, or noticed the menus are very limited. They also
 have all your UTXO locations and total wallet balance (because they
-can export xpubs to any wallet and load balance from there).
+can export your xpubs to any wallet and load balance from there).
 
 Therefore, a trick pin that leads to a duress wallet after giving up 
 the bypass unlock PIN, will not fool them. Best would be to provide
 a false bypass PIN that is in fact a brick/wipe PIN.
 
 
+## Lock Out Changes to Policy
+
+In the Trick Pin menu once Spending Policy has been enabled, you will
+find the Bypass PIN listed.  You could delete or "hide" it. Hiding
+it is pointless since you cannot get to the trick PIN menu while
+the policy is in effect. Deleting the PIN however, is useful because
+it assures changes to spending policy are impossible. To recover
+the COLDCARD when this move is later regretted, under Advanced,
+there is "Destroy Seed" option which will clear the seed words and
+all settings, including the spending policy.
+
 ### Unlock Policy & Wipe
 
 We've provided a new trick PIN that pretends to be the unlock
diff --git a/docs/web2fa.md b/docs/web2fa.md
index 4f0e04e..3923b3f 100644
--- a/docs/web2fa.md
+++ b/docs/web2fa.md
@@ -18,8 +18,11 @@ for the COLDCARD Q, it is a QR code to be scanned.
 The HSM feature uses HOTP tokens, which do not require a backend,
 but are not as robust as time-based tokens.
 
-For now, Web2FA is only being used as part of CCC spending policy (opt-in),
-but we may find other uses for it.
+Web2FA is available to be enabled as part of a Spending Policy,
+both in Multisig and Single Signer modes. When enabled, you will be
+prompted complete 2FA authentication after viewing the details of
+the transaction to be signed. You will not be able to sign without
+the correct code.
 
 ## How It Works