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Settings drops the all-in-one bordered card for a de-carded layout in the property-rail design language: a sticky table-of-contents rail at md+ (Settings wordmark, uppercase group labels, quiet anchor rows) and a horizontally swipeable chip strip below md, replacing the mobile section dropdown. Nav items are real anchors with aria-current, and switching sections scrolls back to the top. Access Tokens becomes a first-class section with an explainer panel: what a PAT is and a copyable curl example (real instance origin, memos_pat_ prefix) beside token-safety guidelines in a two-column band, with a Learn more docs link and the tokens table beneath. Successful PAT authentication now records the token's lastUsedAt asynchronously inside resolveBearer, with a clone-before-mutate cache guard and monotonic writes in the store, surfaced in a Last used column. Also localizes the create dialog's 90 Days label, lets the My Account row wrap instead of clipping on narrow screens, and drops the dead select-section key from all locales.