diff --git a/app.js b/app.js
index 30c7378..633fae2 100644
--- a/app.js
+++ b/app.js
@@ -1129,6 +1129,8 @@ function closeUserPanel() {
   if (codeEl) codeEl.textContent = "—";
   const copyBtn = document.getElementById("acct-affiliate-copy-btn");
   if (copyBtn) copyBtn.style.display = "none";
+  // reset to Content tab
+  switchAccountTab("content");
 }
 
 function toggleAccountPwSave(value) {
diff --git a/index.html b/index.html
index 5745639..231443d 100644
--- a/index.html
+++ b/index.html
@@ -812,19 +812,9 @@
         >
             <div class="modal account-modal">
                 <div class="modal-header">
-                    <span class="modal-title">Account Settings</span>
-                    <button
-                        type="button"
-                        class="modal-close-btn"
-                        onclick="closeUserPanel()"
-                    >
-                        &#x2715;
-                    </button>
-                </div>
-                <div class="account-modal-body">
-                    <!-- ── Left: settings ───────────────────────── -->
-                    <div class="account-col account-col--settings">
-                        <div class="acct-settings-tabs">
+                    <div class="modal-header-row">
+                        <span class="modal-title">Account Settings</span>
+                        <div class="modal-header-tabs">
                             <button
                                 type="button"
                                 class="acct-settings-tab active"
@@ -842,7 +832,18 @@
                                 Affiliate Settings
                             </button>
                         </div>
-
+                        <button
+                            type="button"
+                            class="modal-close-btn"
+                            onclick="closeUserPanel()"
+                        >
+                            &#x2715;
+                        </button>
+                    </div>
+                </div>
+                <div class="account-modal-body">
+                    <!-- ── Left: settings ───────────────────────── -->
+                    <div class="account-col account-col--settings">
                         <!-- ── Content tab ─────────────────────── -->
                         <div
                             id="acct-tabpanel-content"
diff --git a/styles.css b/styles.css
index ec8acc1..e0d0578 100644
--- a/styles.css
+++ b/styles.css
@@ -1480,31 +1480,33 @@ body::after {
     flex-direction: column;
 }
 
-.account-col--settings {
-    width: 260px;
-    flex-shrink: 0;
-    padding: 18px 20px;
+.modal-header-row {
+    display: flex;
+    align-items: center;
+    width: 100%;
+    gap: 12px;
 }
 
-.acct-settings-tabs {
+.modal-header-row .modal-title {
+    flex-shrink: 0;
+}
+
+.modal-header-tabs {
     display: flex;
     gap: 0;
-    margin-bottom: 16px;
-    border-bottom: 1px solid var(--border);
-    padding-bottom: 8px;
+    flex: 1;
+    justify-content: center;
 }
 
 .acct-settings-tab {
-    flex: 1;
     background: none;
     border: none;
     color: var(--text-muted);
     font-family: inherit;
     font-size: 12px;
-    padding: 6px 8px;
+    padding: 6px 14px;
     cursor: pointer;
     transition: color 0.15s;
-    text-align: center;
 }
 
 .acct-settings-tab:hover {
@@ -1515,6 +1517,16 @@ body::after {
     color: var(--accent);
 }
 
+.modal-header-row .modal-close-btn {
+    flex-shrink: 0;
+}
+
+.account-col--settings {
+    width: 260px;
+    flex-shrink: 0;
+    padding: 18px 20px;
+}
+
 .acct-tab-content {
     display: flex;
     flex-direction: column;