Owner round four on the user rows: (1) the rail thins - the gap inside
the 3ch inset grows 5px -> 8px, so the rail is calc(3ch-8px); total
inset still 3ch, chevron law intact. (2) The band padding drops again,
5px -> 4px (py-1). (3) The in-card thinking band steps to bg-accent -
the same ONE-STEP lift the chat band gets (background->card on the page,
card->accent on the card); card-color on card-color was invisible, the
accent gives the card rows a visible band with identical heights. (4)
pr-4 on the band rows - the expanded text wraps EARLY instead of hugging
the band's clear right edge.