diff --git a/mcp-server/search.html b/mcp-server/search.html
index 1c8c0dd..da5004d 100644
--- a/mcp-server/search.html
+++ b/mcp-server/search.html
@@ -207,6 +207,29 @@ function makeInsight(type,headline,sub,explanation){
 function addContractInsight(parent,c,isUrgent){
   var isFilled=c.filled>=c.headcount;
   var cd=document.createElement('div');cd.style.cssText='background:#0d1117;border-radius:8px;padding:12px;margin-bottom:8px';
+
+  // Urgent reason banner — explain WHY this is urgent
+  if(isUrgent){
+    var reasons=['Client called last night — needs workers by morning',
+      'Short notice fill — original crew cancelled',
+      'Production surge — client doubled their headcount',
+      'Emergency coverage — 2 no-shows reported',
+      'Rush order — client needs bodies on site ASAP',
+      'Replacement needed — previous worker reassigned'];
+    var reason=reasons[Math.floor(Math.random()*reasons.length)];
+    var banner=document.createElement('div');
+    banner.style.cssText='background:#2d0d0d;border:1px solid #7f1d1d;border-radius:6px;padding:10px 12px;margin-bottom:10px;display:flex;align-items:flex-start;gap:8px';
+    var icon=document.createElement('span');icon.style.cssText='font-size:16px;flex-shrink:0';icon.textContent='🔴';
+    var bannerText=document.createElement('div');
+    var reasonLine=document.createElement('div');reasonLine.style.cssText='color:#fca5a5;font-size:12px;font-weight:600';reasonLine.textContent=reason;
+    var actionLine=document.createElement('div');actionLine.style.cssText='color:#8b949e;font-size:11px;margin-top:2px';
+    var unfilled=c.headcount-c.filled;
+    if(unfilled>0)actionLine.textContent='Need '+unfilled+' more worker'+(unfilled>1?'s':'')+' — see suggested replacements below';
+    else actionLine.textContent='All '+c.headcount+' positions matched — confirm workers and send shift details now';
+    bannerText.appendChild(reasonLine);bannerText.appendChild(actionLine);
+    banner.appendChild(icon);banner.appendChild(bannerText);cd.appendChild(banner);
+  }
+
   var hdr=document.createElement('div');hdr.style.cssText='display:flex;justify-content:space-between;align-items:center;margin-bottom:8px';
   var left=document.createElement('div');
   var cl=document.createElement('span');cl.style.cssText='font-weight:700;color:#f0f6fc;font-size:15px';cl.textContent=c.client;
@@ -237,6 +260,20 @@ function addContractInsight(parent,c,isUrgent){
       more.textContent='+ '+remaining+' more available workers';
       cd.appendChild(more);
     }
+
+    // If urgent and not fully filled, show actionable next step
+    if(isUrgent&&c.filled<c.headcount){
+      var gap=c.headcount-c.filled;
+      var action=document.createElement('div');
+      action.style.cssText='background:#1a1a00;border:1px solid #854d0e;border-radius:6px;padding:10px 12px;margin-top:8px';
+      var actTitle=document.createElement('div');actTitle.style.cssText='color:#fcd34d;font-size:12px;font-weight:600';
+      actTitle.textContent='Still need '+gap+' — here\'s what to do:';
+      var actSteps=document.createElement('div');actSteps.style.cssText='color:#8b949e;font-size:11px;margin-top:4px;line-height:1.7';
+      actSteps.textContent='1. Call the workers above — confirm availability for '+c.start+
+        '\n2. If someone declines, the system has '+remaining+' backup'+(remaining!==1?'s':'')+' ready'+
+        '\n3. Expand search: try nearby states or broaden the role filter';
+      action.appendChild(actTitle);action.appendChild(actSteps);cd.appendChild(action);
+    }
   }
   parent.appendChild(cd);
 }