diff --git a/pages/FamilyList.tsx b/pages/FamilyList.tsx
index 5c6ea89..6f965be 100644
--- a/pages/FamilyList.tsx
+++ b/pages/FamilyList.tsx
@@ -18,8 +18,11 @@ export const FamilyList: React.FC = () => {
   // User Dashboard Data
   const [myTickets, setMyTickets] = useState<Ticket[]>([]);
   const [myExtraExpenses, setMyExtraExpenses] = useState<any[]>([]);
-  const [myRegularDebt, setMyRegularDebt] = useState<number>(0);
   const [myFamily, setMyFamily] = useState<Family | null>(null);
+  
+  // Payment Status State
+  const [regularPaymentStatus, setRegularPaymentStatus] = useState<'OK' | 'PENDING' | 'OVERDUE'>('OK');
+  const [regularDebtAmount, setRegularDebtAmount] = useState<number>(0);
 
   const currentUser = CondoService.getCurrentUser();
   const isPrivileged = currentUser?.role === 'admin' || currentUser?.role === 'poweruser';
@@ -54,34 +57,68 @@ export const FamilyList: React.FC = () => {
                 setMyExtraExpenses(extra);
             }
 
-            // 4. Calculate Regular Debt (Current Year)
+            // 4. Calculate Regular Payment Status (Logic Update)
             const payments = await CondoService.getPaymentsByFamily(currentUser.familyId);
             const currentYear = appSettings.currentYear;
             const now = new Date();
-            const currentMonth = now.getFullYear() === currentYear ? now.getMonth() + 1 : (now.getFullYear() > currentYear ? 12 : 0);
-            
-            let debt = 0;
+            const currentRealYear = now.getFullYear();
+            const currentRealMonth = now.getMonth() + 1; // 1-12
+            const currentDay = now.getDate();
+            const dueDay = condo.dueDay || 10;
             const quota = me?.customMonthlyQuota ?? condo.defaultMonthlyQuota;
 
-            for (let m = 1; m <= currentMonth; m++) {
+            let totalDebt = 0;
+            let status: 'OK' | 'PENDING' | 'OVERDUE' = 'OK';
+
+            // Check previous months first (Always Overdue if unpaid)
+            for (let m = 1; m < currentRealMonth; m++) {
+                // Simplified: assuming user only cares about current active year for dashboard alert
+                // In a real app, check past years too.
                 const isPaid = payments.some(p => p.forMonth === m && p.forYear === currentYear);
-                if (!isPaid) debt += quota;
+                if (!isPaid) {
+                    totalDebt += quota;
+                    status = 'OVERDUE';
+                }
             }
-            setMyRegularDebt(debt);
+
+            // Check current month
+            const isCurrentMonthPaid = payments.some(p => p.forMonth === currentRealMonth && p.forYear === currentYear);
+            if (!isCurrentMonthPaid) {
+                // If today > dueDay -> Overdue
+                if (currentDay > dueDay) {
+                    totalDebt += quota;
+                    status = 'OVERDUE';
+                } 
+                // If today is within 10 days before dueDay -> Pending
+                else if (currentDay >= (dueDay - 10)) {
+                    totalDebt += quota; // It's due soon, so we count it
+                    if (status !== 'OVERDUE') status = 'PENDING';
+                }
+            }
+
+            setRegularDebtAmount(totalDebt);
+            setRegularPaymentStatus(status);
         }
 
         // --- NOTICE LOGIC ---
+        // Ensure notices are loaded even if user has no family yet (but belongs to condo)
         if (condo && currentUser && appSettings.features.notices) {
             const condoNotices = allNotices.filter(n => {
                 if (n.condoId !== condo.id || !n.active) return false;
+                
+                // Admin sees all active
                 if (isPrivileged) return true;
-                const hasTargets = n.targetFamilyIds && n.targetFamilyIds.length > 0;
-                if (!hasTargets) return true; 
-                return currentUser.familyId && n.targetFamilyIds?.includes(currentUser.familyId);
+
+                // Public notices (targetFamilyIds is null/empty)
+                if (!n.targetFamilyIds || n.targetFamilyIds.length === 0) return true;
+
+                // Targeted notices
+                return currentUser.familyId && n.targetFamilyIds.includes(currentUser.familyId);
             });
 
             setNotices(condoNotices);
             
+            // Check read status
             const readStatuses = await Promise.all(condoNotices.map(n => CondoService.getNoticeReadStatus(n.id)));
             const readIds: string[] = [];
             readStatuses.forEach((reads, idx) => {
@@ -99,7 +136,7 @@ export const FamilyList: React.FC = () => {
       }
     };
     fetchData();
-  }, [currentUser?.id, isPrivileged]); // Dependencies
+  }, [currentUser?.id, isPrivileged]); 
 
   const filteredFamilies = families.filter(f => 
     f.name.toLowerCase().includes(searchTerm.toLowerCase()) || 
@@ -115,7 +152,6 @@ export const FamilyList: React.FC = () => {
       }
   };
 
-  // Dashboard Calculations
   const activeTicketsCount = myTickets.filter(t => t.status !== TicketStatus.RESOLVED && t.status !== TicketStatus.CLOSED).length;
   const extraDebt = myExtraExpenses.reduce((acc, exp) => acc + Math.max(0, exp.myShare.amountDue - exp.myShare.amountPaid), 0);
 
@@ -136,7 +172,7 @@ export const FamilyList: React.FC = () => {
   return (
     <div className="space-y-8 pb-12 animate-fade-in">
       
-      {/* 1. NOTICES (Bacheca) - High Priority */}
+      {/* 1. NOTICES (Bacheca) - ALWAYS VISIBLE IF ENABLED */}
       {settings?.features.notices && notices.length > 0 && (
           <div className="space-y-3">
               <h3 className="font-bold text-slate-700 flex items-center gap-2">
@@ -182,24 +218,37 @@ export const FamilyList: React.FC = () => {
               <div className="grid grid-cols-1 md:grid-cols-3 gap-4">
                   
                   {/* Regular Payments Widget */}
-                  <div className={`p-5 rounded-xl border shadow-sm flex flex-col justify-between ${myRegularDebt > 0 ? 'bg-white border-red-200' : 'bg-white border-slate-200'}`}>
+                  <div className={`p-5 rounded-xl border shadow-sm flex flex-col justify-between ${
+                      regularPaymentStatus === 'OVERDUE' ? 'bg-white border-red-300 ring-1 ring-red-100' : 
+                      regularPaymentStatus === 'PENDING' ? 'bg-white border-yellow-300 ring-1 ring-yellow-100' : 
+                      'bg-white border-slate-200'
+                  }`}>
                       <div>
                           <div className="flex justify-between items-start mb-2">
-                              <div className={`p-2 rounded-lg ${myRegularDebt > 0 ? 'bg-red-50 text-red-600' : 'bg-green-50 text-green-600'}`}>
+                              <div className={`p-2 rounded-lg ${
+                                  regularPaymentStatus === 'OVERDUE' ? 'bg-red-50 text-red-600' : 
+                                  regularPaymentStatus === 'PENDING' ? 'bg-yellow-50 text-yellow-600' : 
+                                  'bg-green-50 text-green-600'
+                              }`}>
                                   <Wallet className="w-6 h-6" />
                               </div>
-                              {myRegularDebt > 0 && <span className="bg-red-100 text-red-700 text-[10px] font-bold px-2 py-1 rounded uppercase">Insoluto</span>}
+                              {regularPaymentStatus === 'OVERDUE' && <span className="bg-red-100 text-red-700 text-[10px] font-bold px-2 py-1 rounded uppercase">Insoluto</span>}
+                              {regularPaymentStatus === 'PENDING' && <span className="bg-yellow-100 text-yellow-700 text-[10px] font-bold px-2 py-1 rounded uppercase">In Scadenza</span>}
                           </div>
                           <p className="text-slate-500 text-xs font-bold uppercase tracking-wide">Rate Condominiali {settings?.currentYear}</p>
-                          <h4 className={`text-2xl font-bold mt-1 ${myRegularDebt > 0 ? 'text-red-600' : 'text-slate-800'}`}>
-                              {myRegularDebt > 0 ? `€ -${myRegularDebt.toFixed(2)}` : 'In Regola'}
+                          <h4 className={`text-2xl font-bold mt-1 ${
+                              regularPaymentStatus === 'OVERDUE' ? 'text-red-600' : 
+                              regularPaymentStatus === 'PENDING' ? 'text-yellow-600' : 
+                              'text-slate-800'
+                          }`}>
+                              {regularDebtAmount > 0 ? `€ -${regularDebtAmount.toFixed(2)}` : 'In Regola'}
                           </h4>
                       </div>
                       <button 
                         onClick={() => navigate(`/family/${myFamily.id}`)} 
                         className="mt-4 w-full py-2 bg-slate-50 hover:bg-slate-100 text-slate-700 rounded-lg text-sm font-medium flex items-center justify-center gap-2 transition-colors"
                       >
-                          {myRegularDebt > 0 ? 'Paga Ora' : 'Vedi Storico'} <ArrowRight className="w-4 h-4"/>
+                          {regularDebtAmount > 0 ? 'Paga Ora' : 'Vedi Storico'} <ArrowRight className="w-4 h-4"/>
                       </button>
                   </div>