diff --git a/tradein-mvp/frontend/src/app/v2/page.tsx b/tradein-mvp/frontend/src/app/v2/page.tsx
index 3ea09a09..87136092 100644
--- a/tradein-mvp/frontend/src/app/v2/page.tsx
+++ b/tradein-mvp/frontend/src/app/v2/page.tsx
@@ -701,7 +701,6 @@ export default function TradeInV2Page() {
 
         {/* CONTENT WRAP */}
         <div
-          inert={nav !== 0 || drawerOpen ? true : undefined}
           style={{
             position: "absolute",
             inset: 14,
@@ -710,7 +709,17 @@ export default function TradeInV2Page() {
             flexDirection: "column",
           }}
         >
-          <nav aria-label="Разделы" style={{ display: "contents" }}>
+          {/* TopNav stays interactive while a section overlay is open so the
+              user can switch sections directly from the overlay. Only the
+              LocationDrawer (a full modal over the whole HUD) inerts it. The
+              dashboard body (<main>/<footer>) is still inerted behind ANY
+              overlay/drawer — preserving the focus + click guard from a11y
+              audit #2081 for everything except the top tabs. */}
+          <nav
+            aria-label="Разделы"
+            inert={drawerOpen ? true : undefined}
+            style={{ display: "contents" }}
+          >
             <TopNav
               active={nav}
               onNavigate={setNav}
@@ -719,7 +728,10 @@ export default function TradeInV2Page() {
               onLogout={logout}
             />
           </nav>
-          <main style={{ display: "contents" }}>
+          <main
+            inert={nav !== 0 || drawerOpen ? true : undefined}
+            style={{ display: "contents" }}
+          >
             <HeroBar
               data={{ report, object: objectInfo }}
               estimateId={mounted ? currentEstimateId : null}
@@ -749,7 +761,10 @@ export default function TradeInV2Page() {
             </div>
           </main>
 
-          <footer style={{ display: "contents" }}>
+          <footer
+            inert={nav !== 0 || drawerOpen ? true : undefined}
+            style={{ display: "contents" }}
+          >
             <Footer data={report} hasEstimate={hasEstimate} />
           </footer>
         </div>
diff --git a/tradein-mvp/frontend/src/components/trade-in/v2/SectionOverlay.tsx b/tradein-mvp/frontend/src/components/trade-in/v2/SectionOverlay.tsx
index 435a56d0..b1db1274 100644
--- a/tradein-mvp/frontend/src/components/trade-in/v2/SectionOverlay.tsx
+++ b/tradein-mvp/frontend/src/components/trade-in/v2/SectionOverlay.tsx
@@ -30,6 +30,11 @@ interface SectionOverlayProps {
   cache?: CacheData;
 }
 
+// Panel geometry (relative to the artboard). Kept as a constant so the click
+// backdrop can align its top edge to the panel — the backdrop starts BELOW the
+// TopNav so the top tabs stay clickable while an overlay is open.
+const PANEL_TOP = 80;
+
 export default function SectionOverlay({
   active,
   onClose,
@@ -105,138 +110,182 @@ export default function SectionOverlay({
   }, []);
 
   return (
-    <div
-      ref={dialogRef}
-      role="dialog"
-      aria-modal="true"
-      aria-labelledby="v2-overlay-title"
-      tabIndex={-1}
-      style={{
-        position: "absolute",
-        left: 28,
-        right: 28,
-        top: 80,
-        bottom: 30,
-        zIndex: 30,
-        display: "flex",
-        flexDirection: "column",
-        background:
-          "linear-gradient(180deg,rgba(244,248,252,.985),rgba(235,242,250,.985))",
-        backdropFilter: "blur(12px)",
-        border: `1px solid ${tokens.line3}`,
-        borderRadius: 8,
-        boxShadow: "0 22px 60px rgba(40,80,130,.18)",
-        overflow: "hidden",
-        fontFamily: tokens.font.sans,
-      }}
-    >
-      <style>{`
-        .tiv2-so-back { color: ${tokens.ink}; transition: all .15s; }
-        .tiv2-so-back:hover { border-color: ${tokens.accent}; color: ${tokens.accent}; }
-      `}</style>
-
-      {/* HUD corner brackets */}
+    <>
+      {/* Click-outside backdrop. A transparent layer covering the artboard BELOW
+          the TopNav (top: PANEL_TOP) — clicking the margin area around the panel
+          closes the overlay (in addition to Esc). It is a SIBLING of the dialog
+          (not an ancestor) and sits one z-index below it, so clicks inside the
+          panel / on its buttons never reach this handler (they don't bubble to a
+          sibling) and therefore never close the overlay. Starting below the nav
+          keeps the top tabs clickable. aria-hidden + no tabIndex → invisible to
+          AT and keyboard; Esc remains the keyboard close path. */}
       <div
+        aria-hidden="true"
+        onClick={onClose}
         style={{
           position: "absolute",
-          left: 12,
-          top: 12,
-          width: 15,
-          height: 15,
-          borderLeft: `1.5px solid ${tokens.accent}`,
-          borderTop: `1.5px solid ${tokens.accent}`,
-          pointerEvents: "none",
-        }}
-      />
-      <div
-        style={{
-          position: "absolute",
-          right: 12,
-          bottom: 12,
-          width: 15,
-          height: 15,
-          borderRight: `1.5px solid ${tokens.accent}`,
-          borderBottom: `1.5px solid ${tokens.accent}`,
-          pointerEvents: "none",
+          left: 0,
+          right: 0,
+          top: PANEL_TOP,
+          bottom: 0,
+          zIndex: 29,
         }}
       />
 
-      {/* overlay header */}
       <div
+        ref={dialogRef}
+        role="dialog"
+        aria-modal="true"
+        aria-labelledby="v2-overlay-title"
+        tabIndex={-1}
         style={{
-          flex: "0 0 auto",
+          position: "absolute",
+          left: 28,
+          right: 28,
+          top: PANEL_TOP,
+          bottom: 30,
+          zIndex: 30,
           display: "flex",
-          alignItems: "center",
-          justifyContent: "space-between",
-          padding: "16px 24px",
-          borderBottom: "1px solid #cdd9e6",
+          flexDirection: "column",
+          background:
+            "linear-gradient(180deg,rgba(244,248,252,.985),rgba(235,242,250,.985))",
+          backdropFilter: "blur(12px)",
+          border: `1px solid ${tokens.line3}`,
+          borderRadius: 8,
+          boxShadow: "0 22px 60px rgba(40,80,130,.18)",
+          overflow: "hidden",
+          fontFamily: tokens.font.sans,
         }}
       >
-        <div style={{ display: "flex", alignItems: "baseline", gap: 11 }}>
-          <span
-            style={{
-              fontFamily: tokens.font.mono,
-              fontSize: 15,
-              color: tokens.accent,
-            }}
-          >
-            {overlayNums[active]}
-          </span>
-          <span
-            id="v2-overlay-title"
-            style={{
-              fontSize: 14,
-              fontWeight: 600,
-              letterSpacing: 2.5,
-              color: tokens.ink2,
-            }}
-          >
-            {overlayTitles[active]}
-          </span>
-        </div>
-        <button
-          type="button"
-          onClick={onClose}
-          className="tiv2-so-back"
+        <style>{`
+          .tiv2-so-back {
+            transition: all .15s;
+            background: ${tokens.accentDeep};
+            box-shadow: 0 3px 10px rgba(46,139,255,.28);
+          }
+          .tiv2-so-back:hover {
+            box-shadow: 0 6px 16px rgba(46,139,255,.45);
+            transform: translateY(-1px);
+          }
+          .tiv2-so-back:active {
+            transform: translateY(0);
+            box-shadow: 0 2px 6px rgba(46,139,255,.3);
+          }
+        `}</style>
+
+        {/* HUD corner brackets */}
+        <div
           style={{
+            position: "absolute",
+            left: 12,
+            top: 12,
+            width: 15,
+            height: 15,
+            borderLeft: `1.5px solid ${tokens.accent}`,
+            borderTop: `1.5px solid ${tokens.accent}`,
+            pointerEvents: "none",
+          }}
+        />
+        <div
+          style={{
+            position: "absolute",
+            right: 12,
+            bottom: 12,
+            width: 15,
+            height: 15,
+            borderRight: `1.5px solid ${tokens.accent}`,
+            borderBottom: `1.5px solid ${tokens.accent}`,
+            pointerEvents: "none",
+          }}
+        />
+
+        {/* overlay header */}
+        <div
+          style={{
+            flex: "0 0 auto",
             display: "flex",
             alignItems: "center",
-            gap: 8,
-            cursor: "pointer",
-            border: `1px solid ${tokens.line}`,
-            borderRadius: 6,
-            padding: "6px 12px",
-            background: tokens.surface.w60,
-            // reset UA button defaults while keeping the original box look;
-            // base colour lives in .tiv2-so-back so :hover can win
-            fontFamily: "inherit",
+            justifyContent: "space-between",
+            padding: "16px 24px",
+            borderBottom: "1px solid #cdd9e6",
           }}
         >
-          <span style={{ fontSize: 13 }}>←</span>
-          <span
-            style={{ fontSize: 10, letterSpacing: 1.5, color: tokens.body2 }}
+          <div style={{ display: "flex", alignItems: "baseline", gap: 11 }}>
+            <span
+              style={{
+                fontFamily: tokens.font.mono,
+                fontSize: 15,
+                color: tokens.accent,
+              }}
+            >
+              {overlayNums[active]}
+            </span>
+            <span
+              id="v2-overlay-title"
+              style={{
+                fontSize: 14,
+                fontWeight: 600,
+                letterSpacing: 2.5,
+                color: tokens.ink2,
+              }}
+            >
+              {overlayTitles[active]}
+            </span>
+          </div>
+          <button
+            type="button"
+            onClick={onClose}
+            className="tiv2-so-back"
+            aria-label="Вернуться к оценке"
+            style={{
+              display: "flex",
+              alignItems: "center",
+              gap: 8,
+              cursor: "pointer",
+              border: `1px solid ${tokens.accentDeep}`,
+              borderRadius: 6,
+              padding: "8px 15px",
+              // background + shadow live in .tiv2-so-back so :hover can override
+              // them (an inline background would beat the hover rule on
+              // specificity). Solid accentDeep keeps white text ≥4.5:1 (AA).
+              fontFamily: "inherit",
+            }}
           >
-            К ОЦЕНКЕ
-          </span>
-        </button>
-      </div>
+            <span
+              style={{ fontSize: 15, color: tokens.onAccent, lineHeight: 1 }}
+            >
+              ←
+            </span>
+            <span
+              style={{
+                fontSize: 11,
+                fontWeight: 600,
+                letterSpacing: 1.5,
+                color: tokens.onAccent,
+              }}
+            >
+              К ОЦЕНКЕ
+            </span>
+          </button>
+        </div>
 
-      {/* overlay body */}
-      <div
-        style={{
-          flex: 1,
-          minHeight: 0,
-          overflowY: "auto",
-          padding: "22px 24px 26px",
-        }}
-      >
-        {active === 1 && <HistoryView data={history} />}
-        {active === 2 && <SourcesView data={sources} />}
-        {active === 3 && (
-          <AnalyticsView data={analytics} onNavigate={onNavigate} />
-        )}
-        {active === 4 && <CacheView data={cache} />}
+        {/* overlay body */}
+        <div
+          style={{
+            flex: 1,
+            minHeight: 0,
+            overflowY: "auto",
+            padding: "22px 24px 26px",
+          }}
+        >
+          {active === 1 && <HistoryView data={history} />}
+          {active === 2 && <SourcesView data={sources} />}
+          {active === 3 && (
+            <AnalyticsView data={analytics} onNavigate={onNavigate} />
+          )}
+          {active === 4 && <CacheView data={cache} />}
+        </div>
       </div>
-    </div>
+    </>
   );
 }