diff --git a/collab/proposals/README-RESTRUCTURE-PROPOSAL.md b/collab/proposals/README-RESTRUCTURE-PROPOSAL.md
new file mode 100644
index 0000000..0334203
--- /dev/null
+++ b/collab/proposals/README-RESTRUCTURE-PROPOSAL.md
@@ -0,0 +1,287 @@
+# 🏗️ README-RESTRUCTURE-PROPOSAL.md
+> Beautiful documentation for AI Home Directory Restructure Proposal
+
+---
+
+## 📋 Table of Contents
+- [Overview](#overview)
+- [Current vs. Proposed Structure](#current-vs-proposed-structure)
+- [Benefits](#benefits)
+- [Migration Strategy](#migration-strategy)
+- [Implementation Steps](#implementation-steps)
+
+---
+
+## 🧠 Overview
+
+Welcome to the beautifully designed documentation for the **RESTRUCTURE-PROPOSAL.md** file. This document outlines a comprehensive restructure of the AI home directory to separate readonly "databank" from read-write "PMO" components.
+
+| **Attribute** | **Details** |
+|---------------|-------------|
+| **Purpose** | Separate readonly context from writable PMO |
+| **Target User** | Solo entrepreneur with mounted volumes |
+| **Security Focus** | Clear permission boundaries |
+| **Structure** | databank (ro) + pmo (rw) |
+
+---
+
+## 🏗️ Current vs. Proposed Structure
+
+### 🔄 Before Structure
+```
+AI-Home-Directory/
+├── AboutMe.md
+├── AgentRules.md
+├── AGENTS.md
+├── AUDIT1.md
+├── README.md
+├── StartHere.md
+├── TSYS.md
+├── AI-TOOLS.md
+├── PROJECT-MGMT-TOOLS.md
+├── OPS-ENVIRONMENT.md
+├── collab/                 # Collaboration directory
+│   └── proposals/          # All proposals here
+│       ├── PMO/
+│       └── ...
+└── (other files)
+```
+
+### 🚀 After Structure
+```
+AI-Home-Directory/          # Mount point in containers
+├── databank/               # 🔒 Readonly context
+│   ├── personal/           # Personal information
+│   │   ├── AboutMe.md
+│   │   ├── StartHere.md
+│   │   └── TSYS.md
+│   ├── agents/             # AI agent guidelines  
+│   │   ├── AgentRules.md
+│   │   ├── AGENTS.md
+│   │   └── AI-TOOLS.md
+│   ├── context/            # General context information
+│   │   ├── AUDIT1.md
+│   │   └── PROJECT-MGMT-TOOLS.md
+│   └── templates/          # Template files for projects
+│       └── ...
+├── pmo/                    # ✏️ Read-write PMO
+│   ├── dashboard/          # PMO dashboard views
+│   │   └── ...
+│   ├── projects/           # Project registry and links
+│   │   └── ...
+│   ├── reports/            # Status reports
+│   │   └── ...
+│   ├── resources/          # Resource management
+│   │   └── ...
+│   └── config/             # PMO configuration
+│       └── ...
+├── collab/                 # Collaboration (readonly)
+│   └── ...
+└── README.md               # Updated documentation
+```
+
+---
+
+## ✅ Benefits Overview
+
+### 🔒 Security Benefits
+| Benefit | Impact |
+|---------|---------|
+| **Permission Boundaries** | Clear separation of readonly vs. read-write access | ⭐⭐⭐⭐⭐ |
+| **Data Integrity** | Prevents accidental modification of core knowledge | ⭐⭐⭐⭐⭐ |
+| **Container Safety** | Reduced risk of corrupting foundational info | ⭐⭐⭐⭐ |
+
+### 🏗️ Organization Benefits
+| Benefit | Impact |
+|---------|---------|
+| **Clear Structure** | Separates static context from dynamic management | ⭐⭐⭐⭐⭐ |
+| **Easier Navigation** | Intuitive directory organization | ⭐⭐⭐⭐ |
+| **Better Maintenance** | Easier to update and manage | ⭐⭐⭐⭐ |
+
+### 🐳 Container Integration Benefits
+| Component | Access | Purpose |
+|-----------|--------|---------|
+| **databank/** | 🔒 `:ro` (readonly) | Universal context for all tools |
+| **pmo/** | ✏️ `:rw` (read-write) | PMO updates and tracking |
+| **collab/** | 🔒 `:ro` (readonly) | Collaboration guidelines |
+
+---
+
+## 📊 Migration Strategy
+
+### Phase 1: 🏗️ Directory Creation
+```bash
+# Create new directory structure
+mkdir -p databank/{personal,agents,context,templates}
+mkdir -p pmo/{dashboard,projects,reports,resources,config}
+```
+
+### Phase 2: 🗂️ File Migration
+| Source File | Destination | Category |
+|-------------|-------------|----------|
+| AboutMe.md | databank/personal/ | Personal info |
+| AgentRules.md | databank/agents/ | Agent guidelines |
+| AGENTS.md | databank/agents/ | Agent guidelines |
+| AUDIT1.md | databank/context/ | Context information |
+| AI-TOOLS.md | databank/agents/ | Agent context |
+| PROJECT-MGMT-TOOLS.md | databank/context/ | Context information |
+
+### Phase 3: 📝 Documentation Updates
+- [ ] Update README.md to reflect new structure
+- [ ] Update AGENTS.md to reference new paths
+- [ ] Create PMO-specific documentation
+- [ ] Update all internal file references
+
+---
+
+## 🚀 Container Usage Comparison
+
+### Before Migration
+```
+┌─────────────────────────────────────────────────────────────┐
+│                    DEVELOPMENT CONTAINER                    │
+├─────────────────────────────────────────────────────────────┤
+│  ┌───────────────────────────────────────────────────────┐  │
+│  │        🔗 AI HOME DIRECTORY (mixed permissions)       │  │
+│  │  ┌─────────────────────────────────────────────────┐  │  │
+│  │  │    📚 DATABANK FILES   │    📊 PMO FILES       │  │  │
+│  │  │    (readonly/write)    │    (read/write)       │  │  │
+│  │  └─────────────────────────────────────────────────┘  │  │
+│  └───────────────────────────────────────────────────────┘  │
+└─────────────────────────────────────────────────────────────┘
+```
+
+### After Migration
+```
+┌─────────────────────────────────────────────────────────────┐
+│                    DEVELOPMENT CONTAINER                    │
+├─────────────────────────────────────────────────────────────┤
+│  ┌─────────────────┐    ┌─────────────────────────────────┐ │
+│  │                 │    │                                 │ │
+│  │  PROJECT-SPECIFIC│    │    🏠  AI HOME DIRECTORY       │ │
+│  │     CONTEXT     │    │                                 │ │
+│  │                 │    │  ┌───────────────────────────┐  │ │
+│  │  - Project docs │    │  │    🔒 DATABANK            │  │ │
+│  │  - Codebase     │    │  │    (readonly mount)       │  │ │
+│  │  - Requirements │    │  └───────────────────────────┘  │ │
+│  └─────────────────┘    │  ┌───────────────────────────┐  │ │
+│                         │  │    ✏️  PMO                │  │ │
+│                         │  │    (read-write mount)     │  │ │
+│                         │  └───────────────────────────┘  │ │
+│                         └─────────────────────────────────┘ │
+└─────────────────────────────────────────────────────────────┘
+```
+
+### Mount Commands
+```bash
+# BEFORE (single mixed mount)
+docker run -v /path/to/AI-Home:/ai-home your-image
+
+# AFTER (separate permission mounts)
+docker run \
+  -v /path/to/AI-Home/databank:/ai-home/databank:ro \
+  -v /path/to/AI-Home/pmo:/ai-home/pmo:rw \
+  your-image
+```
+
+---
+
+## 📋 Implementation Steps
+
+### 🎯 Phase 1: Preparation
+| Task | Priority | Status |
+|------|----------|--------|
+| 📁 Create new directory structure | High | Planned |
+| 🛠️ Prepare migration script | High | Planned |
+| 📝 Update documentation templates | Medium | Planned |
+
+### 🔀 Phase 2: Migration  
+| Task | Priority | Status |
+|------|----------|--------|
+| 🗂️ Move files to new directories | High | Planned |
+| 🔗 Update internal file references | High | Planned |
+| ✅ Test new structure | High | Planned |
+
+### ✅ Phase 3: Validation
+| Task | Priority | Status |
+|------|----------|--------|
+| 🔍 Verify all links work correctly | High | Planned |
+| 🐳 Test container mounting patterns | High | Planned |
+| 🤖 Validate AI agent access patterns | High | Planned |
+
+### 🚀 Phase 4: Rollout
+| Task | Priority | Status |
+|------|----------|--------|
+| 📚 Update README and documentation | High | Planned |
+| 🤖 Update AGENTS.md with new paths | High | Planned |
+| 💬 Communicate changes to AI agents | Medium | Planned |
+
+---
+
+## 🤖 AI Agent Considerations
+
+### 📍 Access Patterns
+| Component | Access | Purpose |
+|-----------|--------|---------|
+| `/ai-home/databank/` | 🔒 Read only | Context and guidelines |
+| `/ai-home/pmo/` | ✏️ Read/Write | Project updates |
+| `/ai-home/collab/` | 🔒 Read only | Collaboration guidelines |
+
+### 📝 Path Updates Required
+AI agents will need to be aware of:
+- `databank/` directory for readonly context
+- `pmo/` directory for PMO updates  
+- Updated AGENTS.md with new paths
+
+### 🎯 Update Behavior
+- Only update PMO when milestones reached
+- Never modify databank files
+- Use proper PMO update procedures
+
+---
+
+## ⚖️ Impact Analysis
+
+### ✅ Positive Impacts
+- **Clearer separation** of concerns in directory structure
+- **Better security** through defined permission boundaries  
+- **Improved organization** and easier navigation
+- **More secure container** mounting approach
+- **Better alignment** with PMO concept
+
+### ⚠️ Potential Challenges
+- **Documentation updates** required throughout
+- **AI agent configurations** need updating
+- **Migration path** for existing projects
+- **Mounting procedure** updates needed
+
+---
+
+## 📈 Next Steps
+
+### Immediate Actions
+1. **Create** the new directory structure
+2. **Migrate** files according to the plan
+3. **Update** documentation and references
+4. **Test** the new structure in containers
+
+### Long-term Benefits
+- **Enhanced security** for your AI home directory
+- **Clearer workflows** for AI agents
+- **Better organization** for scaling projects
+- **Improved container** integration
+
+---
+
+## 💡 Pro Tips for Migration
+
+- 🔧 **Backup first**: Ensure backup of current structure
+- 🧪 **Test thoroughly**: Validate mounting patterns before full migration
+- 📢 **Communicate**: Update all AI agents about new paths
+- 📚 **Document**: Maintain clear references during transition
+
+---
+
+*Last updated: October 24, 2025*  
+*Part of the AIOS (AI Operating System) ecosystem*  
+*Optimized for secure, structured AI home directory management*
\ No newline at end of file
diff --git a/collab/proposals/RESTRUCTURE-PROPOSAL.md b/collab/proposals/RESTRUCTURE-PROPOSAL.md
new file mode 100644
index 0000000..c04d20b
--- /dev/null
+++ b/collab/proposals/RESTRUCTURE-PROPOSAL.md
@@ -0,0 +1,205 @@
+# Date/Time
+Friday, October 24, 2025 (Timezone: UTC+00:00 - Please adjust to local system time)
+
+# Change Tracking/Revision Table
+
+| Date       | Version | Description                                      | Author              |
+|------------|---------|--------------------------------------------------|---------------------|
+| 2025-10-24 | 1.0.0   | Proposal for repository restructuring            | AIOS-Public System  |
+
+# Changelog
+
+| Date       | Version | Description                                      |
+|------------|---------|--------------------------------------------------|
+| 2025-10-24 | 1.0.0   | Initial creation of restructuring proposal       |
+
+---
+
+# RESTRUCTURE-PROPOSAL.md: Databank and PMO Separation
+
+## Overview
+
+This proposal outlines a restructure of the AI home directory repository to separate the readonly "databank" from the read-write "PMO" components. This provides clear permission boundaries when mounting in containerized development environments.
+
+## Current Structure vs. Proposed Structure
+
+### Current Structure
+```
+AI-Home-Directory/
+├── AboutMe.md
+├── AgentRules.md
+├── AGENTS.md
+├── AUDIT1.md
+├── README.md
+├── StartHere.md
+├── TSYS.md
+├── AI-TOOLS.md
+├── PROJECT-MGMT-TOOLS.md
+├── OPS-ENVIRONMENT.md
+├── collab/                 # Collaboration directory
+│   └── proposals/          # All proposals currently here
+│       ├── PMO/
+│       └── ...
+└── (other files)
+```
+
+### Proposed Structure
+```
+AI-Home-Directory/          # Mount point in containers
+├── databank/               # Readonly context (mounted readonly)
+│   ├── personal/           # Personal information
+│   │   ├── AboutMe.md
+│   │   ├── StartHere.md
+│   │   └── TSYS.md
+│   ├── agents/             # AI agent guidelines
+│   │   ├── AgentRules.md
+│   │   ├── AGENTS.md
+│   │   └── AI-TOOLS.md
+│   ├── context/            # General context information
+│   │   ├── AUDIT1.md
+│   │   └── PROJECT-MGMT-TOOLS.md
+│   └── templates/          # Template files for projects
+│       └── ...
+├── pmo/                    # Read-write PMO (mounted read-write)
+│   ├── dashboard/          # PMO dashboard views
+│   │   └── ...
+│   ├── projects/           # Project registry and links
+│   │   └── ...
+│   ├── reports/            # Status reports
+│   │   └── ...
+│   ├── resources/          # Resource management
+│   │   └── ...
+│   └── config/             # PMO configuration
+│       └── ...
+├── collab/                 # Collaboration directory (readonly)
+│   └── ...
+└── README.md               # Updated to reflect new structure
+```
+
+## Benefits of Restructure
+
+### 1. Clear Permission Boundaries
+| Component | Permission | Purpose |
+|-----------|------------|---------|
+| **databank/** | Readonly | Consistent context across projects |
+| **pmo/** | Read-Write | Project management updates |
+| **collab/** | Readonly | Collaboration guidelines |
+
+### 2. Enhanced Security
+- Prevents accidental modification of core knowledge base
+- Limits write access to specific PMO functions
+- Reduces risk of corrupting foundational information
+
+### 3. Better Organization
+- Separates static context from dynamic management
+- Clearer directory structure for new users
+- Easier navigation and maintenance
+
+### 4. Improved Container Integration
+| Mount Point | Access Mode | Purpose |
+|-------------|-------------|---------|
+| `/ai-home/databank` | `:ro` (readonly) | Universal context for all tools |
+| `/ai-home/pmo` | `:rw` (read-write) | PMO updates and tracking |
+
+## Migration Strategy
+
+### Phase 1: Directory Creation
+```bash
+# Create new directory structure
+mkdir -p databank/{personal,agents,context,templates}
+mkdir -p pmo/{dashboard,projects,reports,resources,config}
+```
+
+### Phase 2: File Migration
+| Source File | Destination | Type |
+|-------------|-------------|------|
+| AboutMe.md | databank/personal/ | Personal info |
+| AgentRules.md | databank/agents/ | Agent guidelines |
+| AGENTS.md | databank/agents/ | Agent guidelines |
+| AUDIT1.md | databank/context/ | Context information |
+| AI-TOOLS.md | databank/agents/ | Agent context |
+| PROJECT-MGMT-TOOLS.md | databank/context/ | Context information |
+| (new PMO files) | pmo/ | PMO functionality |
+
+### Phase 3: Update Documentation
+- Update README.md to reflect new structure
+- Update AGENTS.md to reference new paths
+- Create PMO-specific documentation
+
+### Phase 4: Update Proposals
+- Move PMO proposals to new pmo/ directory
+- Create new PMO templates
+- Update PMO proposal based on new structure
+
+## Container Usage Pattern
+
+### Before (Current)
+```bash
+# Single mount point with mixed permissions
+docker run -v /path/to/AI-Home-Directory:/ai-home your-development-image
+```
+
+### After (Proposed)
+```bash
+# Separate mount points with clear permissions
+docker run \
+  -v /path/to/AI-Home-Directory/databank:/ai-home/databank:ro \
+  -v /path/to/AI-Home-Directory/pmo:/ai-home/pmo:rw \
+  your-development-image
+```
+
+## Impact Analysis
+
+### Positive Impacts
+- ✅ Clearer separation of concerns
+- ✅ Better security through permission boundaries
+- ✅ Improved organization and navigation
+- ✅ More secure container mounting
+- ✅ Better alignment with PMO concept
+
+### Potential Challenges
+- ⚠️ Requires updates to all references in documentation
+- ⚠️ Need to update AI agent configurations
+- ⚠️ Migration path for existing projects
+- ⚠️ Updates to mounting procedures
+
+## Implementation Steps
+
+### 1. Preparation
+- [ ] Create new directory structure
+- [ ] Prepare migration script
+- [ ] Update documentation templates
+
+### 2. Migration
+- [ ] Move files to appropriate directories
+- [ ] Update internal file references
+- [ ] Test new structure
+
+### 3. Validation
+- [ ] Verify all links work correctly
+- [ ] Test container mounting patterns
+- [ ] Validate AI agent access patterns
+
+### 4. Rollout
+- [ ] Update README and documentation
+- [ ] Update AGENTS.md with new paths
+- [ ] Communicate changes to AI agents
+
+## AI Agent Considerations
+
+### Access Patterns
+- **Databank Access**: Readonly for context and guidelines
+- **PMO Access**: Read-write for project updates and tracking
+- **Agent Updates**: Only update PMO when milestones reached
+
+### Path Updates
+AI agents will need to be aware of:
+- `/ai-home/databank/` for readonly context
+- `/ai-home/pmo/` for PMO updates
+- New path structure in AGENTS.md
+
+## Conclusion
+
+This restructuring provides a cleaner, more secure, and more organized approach to managing your AI home directory. The separation of readonly databank and read-write PMO components aligns perfectly with your usage patterns and provides clear permission boundaries for containerized development environments.
+
+The proposed structure supports your goal of having a readonly databank that can be safely mounted across all projects while maintaining a separate PMO area where AI agents can make updates without risk to the core knowledge base.
\ No newline at end of file