sure/app/views/reports/_trends_insights.html.erb

<div class="space-y-8">
    <%# Month-over-Month Trends %>
    <div>
      <h3 class="text-lg font-medium mb-4">
        <%= t("reports.trends.monthly_breakdown") %>
      </h3>

      <% if trends_data.any? %>
        <div class="bg-container-inset rounded-xl p-1 overflow-x-auto">
          <div class="w-max sm:w-full">
            <div role="columnheader" class="grid grid-cols-5 items-center uppercase text-xs font-medium text-secondary px-4 py-2">
              <div class="font-medium text-secondary"><%= t("reports.trends.month") %></div>
              <div class="text-right font-medium text-secondary"><%= t("reports.trends.income") %></div>
              <div class="text-right font-medium text-secondary"><%= t("reports.trends.expenses") %></div>
              <div class="text-right font-medium text-secondary"><%= t("reports.trends.net") %></div>
              <div class="text-right font-medium text-secondary"><%= t("reports.trends.savings_rate") %></div>
            </div>
            <div class="bg-container rounded-lg shadow-border-xs">
              <% trends_data.each_with_index do |trend, idx| %>
                <div class="grid grid-cols-5 items-center text-secondary text-sm py-3 px-4 lg:px-6">
                  <div class="flex items-center gap-2 <%= trend[:is_current_month] ? "font-medium" : "" %>">
                    <%= trend[:month] %>
                    <% if trend[:is_current_month] %>
                      <span class="text-xs text-tertiary">(<%= t("reports.trends.current") %>)</span>
                    <% end %>
                  </div>
                  <div class="text-right">
                    <%= Money.new(trend[:income], Current.family.currency).format %>
                  </div>
                  <div class="text-right">
                    <%= Money.new(trend[:expenses], Current.family.currency).format %>
                  </div>
                  <div class="text-right <%= trend[:net] >= 0 ? "text-success" : "text-destructive" %>">
                    <%= Money.new(trend[:net], Current.family.currency).format %>
                  </div>
                  <div class="text-right <%= trend[:net] >= 0 ? "text-success" : "text-destructive" %>">
                    <% savings_rate = trend[:income] > 0 ? ((trend[:net].to_f / trend[:income].to_f) * 100).round(1) : 0 %>
                    <%= savings_rate %>%
                  </div>
                </div>
                <% if idx < trends_data.size - 1 %>
                  <%= render "shared/ruler", classes: "mx-3 lg:mx-4" %>
                <% end %>
              <% end %>
            </div>
          </div>
        </div>

        <%# Trend Insights %>
        <div class="mt-6 grid grid-cols-1 md:grid-cols-3 gap-4">
          <% avg_income = trends_data.sum { |t| t[:income] } / trends_data.length %>
          <% avg_expenses = trends_data.sum { |t| t[:expenses] } / trends_data.length %>
          <% avg_net = trends_data.sum { |t| t[:net] } / trends_data.length %>

          <div class="p-4 bg-surface-inset rounded-lg">
            <p class="text-sm text-secondary mb-1"><%= t("reports.trends.avg_monthly_income") %></p>
            <p class="text-lg font-semibold text-success">
              <%= Money.new(avg_income, Current.family.currency).format %>
            </p>
          </div>

          <div class="p-4 bg-surface-inset rounded-lg">
            <p class="text-sm text-secondary mb-1"><%= t("reports.trends.avg_monthly_expenses") %></p>
            <p class="text-lg font-semibold text-destructive">
              <%= Money.new(avg_expenses, Current.family.currency).format %>
            </p>
          </div>

          <div class="p-4 bg-surface-inset rounded-lg">
            <p class="text-sm text-secondary mb-1"><%= t("reports.trends.avg_monthly_savings") %></p>
            <p class="text-lg font-semibold <%= avg_net >= 0 ? "text-success" : "text-destructive" %>">
              <%= Money.new(avg_net, Current.family.currency).format %>
            </p>
          </div>
        </div>
      <% else %>
        <div class="text-center py-8 text-tertiary">
          <%= t("reports.trends.no_data") %>
        </div>
      <% end %>
    </div>
  </div>