diff --git a/docs/phases/09-social/46-speech-home.md b/docs/phases/09-social/46-speech-home.md
index 25b68bb..f93af25 100644
--- a/docs/phases/09-social/46-speech-home.md
+++ b/docs/phases/09-social/46-speech-home.md
@@ -13,20 +13,20 @@
 
 ## Задачи
 
-- [ ] В «Правилах» два комбобокса речи: ученики / сотрудники × свободно / без грубого / только учёба
-- [ ] В силу с завтра; API сегодня не переодевает темы текущих кружков
-- [ ] Система не стартует кружок с темой вне политики; начатый вчера доигрывает
-- [ ] Одно семейное событие на человека за рабочее утро; skip ночи применяет
-- [ ] Семейные темы из `TopicDef`; сдвиг меньше школьного разговора
-- [ ] `docs/protocol.md` — HTTP правил речи
+- [x] В «Правилах» два комбобокса речи: ученики / сотрудники × свободно / без грубого / только учёба
+- [x] В силу с завтра; API сегодня не переодевает темы текущих кружков
+- [x] Система не стартует кружок с темой вне политики; начатый вчера доигрывает
+- [x] Одно семейное событие на человека за рабочее утро; skip ночи применяет
+- [x] Семейные темы из `TopicDef`; сдвиг меньше школьного разговора
+- [x] `docs/protocol.md` — HTTP правил речи
 
 ## Тесты, без которых фаза не закрыта
 
-- [ ] POST «только учёба» сегодня не мешает текущему кружку «игры»
-- [ ] На следующее рабочее утро грубая тема у учеников не стартует
-- [ ] Skip с пятницы на понедельник применяет домашнее событие и дрейф мнений; мнение с
+- [x] POST «только учёба» сегодня не мешает текущему кружку «игры»
+- [x] На следующее рабочее утро грубая тема у учеников не стартует
+- [x] Skip с пятницы на понедельник применяет домашнее событие и дрейф мнений; мнение с
       родителем сдвинуто, брошенная дружба ближе к нулю
-- [ ] Клиентский тест: комбобоксы речи рядом с одеждой, подпись «с завтра»
+- [x] Клиентский тест: комбобоксы речи рядом с одеждой, подпись «с завтра»
 
 ## Критерий готовности
 
diff --git a/docs/phases/09-social/README.md b/docs/phases/09-social/README.md
index d930df7..a15e24c 100644
--- a/docs/phases/09-social/README.md
+++ b/docs/phases/09-social/README.md
@@ -35,7 +35,7 @@
 
 | Фаза | Статус | Зачем |
 | --- | --- | --- |
-| [46. Политика речи и дом](46-speech-home.md) | 🔄 | Комбобоксы речи с завтра; утреннее семейное событие |
+| [46. Политика речи и дом](46-speech-home.md) | ✅ | Комбобоксы речи с завтра; утреннее семейное событие |
 | [47. Пак romance](47-romance-pack.md) | ✅ | Ориентация, симпатия, пара 18+, патч тем |
 
 46 стоит на 37 и 42; 47 — на 42 и 23. `example` не трогать.
diff --git a/docs/protocol.md b/docs/protocol.md
index bceecee..271ba71 100644
--- a/docs/protocol.md
+++ b/docs/protocol.md
@@ -572,6 +572,36 @@ omitted sides keep their current rule. Unknown `{id}` is `404` `unknown-school`.
 { "students": { "form": "strict", "color": "noBright" } }
 ```
 
+### `GET /api/schools/{id}/speech-rules`
+
+Student and staff speech-topic policy for the school. Only the owner may read this (`403`
+`not-owner`). Unknown `{id}` is `404` `unknown-school`.
+
+Policy is one of `free`, `noRude`, `studyOnly`. When a `POST` has been accepted but not yet
+applied, `pendingStudents` and/or `pendingStaff` show what takes effect on the **next work
+morning** — the same morning as dress rules. Today's live circles keep their topic; the system
+does not start a new circle whose topic is outside the live policy.
+
+```json
+{
+  "students": "free",
+  "staff": "free",
+  "pendingStudents": null,
+  "pendingStaff": null
+}
+```
+
+### `POST /api/schools/{id}/speech-rules`
+
+Queues a change for the next work morning. Only the owner may post (`403` `not-owner`). Either or
+both of `students` and `staff` may be sent; omitted sides keep their current pending/live rule.
+Unknown `{id}` is `404` `unknown-school`. Unknown policy is `400` `unknown-speech`. Response body
+matches `GET`.
+
+```json
+{ "students": "studyOnly" }
+```
+
 ### `GET /api/schools/{id}/staffing`
 
 Money, uncovered subjects, the applicant pool and current staff. Only the owner may read this
diff --git a/src/HSchool.Ai/TalkCircles.cs b/src/HSchool.Ai/TalkCircles.cs
index b30d484..fe907e0 100644
--- a/src/HSchool.Ai/TalkCircles.cs
+++ b/src/HSchool.Ai/TalkCircles.cs
@@ -200,7 +200,8 @@ public static class TalkCircles
         Person picker,
         int age,
         int seed,
-        bool whisperOnLesson = false)
+        bool whisperOnLesson = false,
+        string? speechPolicy = null)
     {
         var candidates = new List<(TopicDef Topic, float Weight)>();
         foreach (var topic in catalog.Topics.Values)
@@ -208,7 +209,8 @@ public static class TalkCircles
             if (topic.Abstract
                 || !RoleFitsTopic(topic, picker.IsStudent, picker.IsStaff, picker.IsParent)
                 || !AgeFits(topic, age)
-                || (whisperOnLesson && !topic.WhisperOnLesson))
+                || (whisperOnLesson && !topic.WhisperOnLesson)
+                || !SpeechPolicies.Allows(speechPolicy ?? SpeechPolicies.Free, topic))
             {
                 continue;
             }
@@ -253,6 +255,21 @@ public static class TalkCircles
         return candidates[^1].Topic.DefName;
     }
 
+    /// <summary>Family-morning topics: tag only, no school role or speech-policy filter.</summary>
+    public static string? PickTaggedTopic(DefCatalog catalog, string tag, int seed)
+    {
+        var candidates = catalog.Topics.Values
+            .Where(topic => !topic.Abstract && topic.Tags.Contains(tag, StringComparer.Ordinal))
+            .OrderBy(topic => topic.DefName, StringComparer.Ordinal)
+            .ToArray();
+        if (candidates.Length == 0)
+        {
+            return null;
+        }
+
+        return candidates[(seed & int.MaxValue) % candidates.Length].DefName;
+    }
+
     /// <summary>Best shared language skill id among participants, or null.</summary>
     public static string? SharedLanguage(
         DefCatalog catalog,
diff --git a/src/HSchool.Client/src/i18n/strings.ts b/src/HSchool.Client/src/i18n/strings.ts
index 91aa25b..3c7887c 100644
--- a/src/HSchool.Client/src/i18n/strings.ts
+++ b/src/HSchool.Client/src/i18n/strings.ts
@@ -315,11 +315,17 @@ const ru = {
   rulesStudentsColor: 'Цвет учеников',
   rulesStaffForm: 'Форма сотрудников',
   rulesStaffColor: 'Цвет сотрудников',
-  rulesRoleSummary: '{role}: {form}, {color}',
+  rulesRoleSummary: '{role}: {form}, {color}; {speech}',
   rulesApply: 'Применить',
   rulesLoadFailed: 'Не удалось загрузить правила одежды.',
   rulesSaveFailed: 'Не удалось сохранить правила.',
   rulesPickHint: 'Правила действуют на всю школу.',
+  rulesStudentsSpeech: 'Речь учеников',
+  rulesStaffSpeech: 'Речь сотрудников',
+  speechPolicyFree: 'свободно',
+  speechPolicyNoRude: 'без грубого',
+  speechPolicyStudyOnly: 'только учёба',
+  speechErrorUnknownPolicy: 'Такой политики речи нет.',
   dressFormRegular: 'обычная',
   dressFormShort: 'короткая',
   dressFormStrict: 'строгая',
@@ -688,11 +694,17 @@ const en: Messages = {
   rulesStudentsColor: 'Student colours',
   rulesStaffForm: 'Staff form',
   rulesStaffColor: 'Staff colours',
-  rulesRoleSummary: '{role}: {form}, {color}',
+  rulesRoleSummary: '{role}: {form}, {color}; {speech}',
   rulesApply: 'Apply',
   rulesLoadFailed: 'Could not load dress rules.',
   rulesSaveFailed: 'Could not save the rules.',
   rulesPickHint: 'Rules apply to the whole school.',
+  rulesStudentsSpeech: 'Student speech',
+  rulesStaffSpeech: 'Staff speech',
+  speechPolicyFree: 'free',
+  speechPolicyNoRude: 'no rude talk',
+  speechPolicyStudyOnly: 'study only',
+  speechErrorUnknownPolicy: 'That speech policy is not in the catalog.',
   dressFormRegular: 'regular',
   dressFormShort: 'short',
   dressFormStrict: 'strict',
diff --git a/src/HSchool.Client/src/net/api.ts b/src/HSchool.Client/src/net/api.ts
index abb09c1..fc8f8ff 100644
--- a/src/HSchool.Client/src/net/api.ts
+++ b/src/HSchool.Client/src/net/api.ts
@@ -762,6 +762,28 @@ export async function setDressRules(
   });
 }
 
+export interface SpeechRules {
+  readonly students: string;
+  readonly staff: string;
+  readonly pendingStudents: string | null;
+  readonly pendingStaff: string | null;
+}
+
+export async function fetchSpeechRules(schoolId: number): Promise<SpeechRules> {
+  return request<SpeechRules>(`/api/schools/${schoolId}/speech-rules`);
+}
+
+export async function setSpeechRules(
+  schoolId: number,
+  body: { readonly students?: string; readonly staff?: string },
+): Promise<SpeechRules> {
+  return request<SpeechRules>(`/api/schools/${schoolId}/speech-rules`, {
+    method: 'POST',
+    headers: { 'content-type': 'application/json' },
+    body: JSON.stringify(body),
+  });
+}
+
 export interface TimetableLesson {
   readonly classId: string;
   readonly classYear: number;
diff --git a/src/HSchool.Client/src/ui/dressRulesPanel.test.ts b/src/HSchool.Client/src/ui/dressRulesPanel.test.ts
index 635ae45..39bd4eb 100644
--- a/src/HSchool.Client/src/ui/dressRulesPanel.test.ts
+++ b/src/HSchool.Client/src/ui/dressRulesPanel.test.ts
@@ -5,8 +5,11 @@ import { afterEach, beforeEach, describe, expect, it, vi } from 'vitest';
 import {
   ApiError,
   fetchDressRules,
+  fetchSpeechRules,
   setDressRules,
+  setSpeechRules,
   type DressRules,
+  type SpeechRules,
 } from '../net/api.ts';
 import { getLocale, setLocale } from '../i18n/locale.ts';
 import { t } from '../i18n/strings.ts';
@@ -17,7 +20,9 @@ vi.mock('../net/api.ts', async (importOriginal) => {
   return {
     ...actual,
     fetchDressRules: vi.fn(),
+    fetchSpeechRules: vi.fn(),
     setDressRules: vi.fn(),
+    setSpeechRules: vi.fn(),
   };
 });
 
@@ -32,12 +37,24 @@ function rules(): DressRules {
   };
 }
 
+function speech(): SpeechRules {
+  return {
+    students: 'free',
+    staff: 'free',
+    pendingStudents: null,
+    pendingStaff: null,
+  };
+}
+
 describe('DressRulesPanel', () => {
   beforeEach(() => {
     setLocale('en');
     vi.mocked(fetchDressRules).mockReset();
+    vi.mocked(fetchSpeechRules).mockReset();
     vi.mocked(setDressRules).mockReset();
+    vi.mocked(setSpeechRules).mockReset();
     vi.mocked(fetchDressRules).mockResolvedValue(rules());
+    vi.mocked(fetchSpeechRules).mockResolvedValue(speech());
   });
 
   afterEach(() => {
@@ -49,7 +66,7 @@ describe('DressRulesPanel', () => {
     const panel = new DressRulesPanel();
     document.body.append(panel.element);
     panel.show(3);
-    await vi.waitFor(() => expect(fetchDressRules).toHaveBeenCalled());
+    await vi.waitFor(() => expect(fetchSpeechRules).toHaveBeenCalled());
 
     const colorSelect = panel.element.querySelector('select.input');
     if (!(colorSelect instanceof HTMLSelectElement)) {
@@ -66,7 +83,13 @@ describe('DressRulesPanel', () => {
     const panel = new DressRulesPanel();
     document.body.append(panel.element);
     panel.show(3);
-    await vi.waitFor(() => expect(fetchDressRules).toHaveBeenCalled());
+    await vi.waitFor(() => expect(fetchSpeechRules).toHaveBeenCalled());
+    const apply = panel.element.querySelector('button.button');
+    if (!(apply instanceof HTMLButtonElement)) {
+      throw new Error('apply button is missing');
+    }
+
+    await vi.waitFor(() => expect(apply.disabled).toBe(false));
 
     const formSelect = panel.element.querySelector('fieldset select.input');
     if (!(formSelect instanceof HTMLSelectElement)) {
@@ -74,11 +97,6 @@ describe('DressRulesPanel', () => {
     }
 
     formSelect.value = 'strict';
-    const apply = panel.element.querySelector('button.button');
-    if (!(apply instanceof HTMLButtonElement)) {
-      throw new Error('apply button is missing');
-    }
-
     apply.click();
     const banner = panel.element.querySelector('.staffing__error');
     if (!(banner instanceof HTMLElement)) {
@@ -88,4 +106,40 @@ describe('DressRulesPanel', () => {
     await vi.waitFor(() => expect(banner.hidden).toBe(false));
     expect(banner.textContent).toBe(t('dressErrorUnknownForm'));
   });
+
+  it('places speech comboboxes next to dress with a from-tomorrow caption', async () => {
+    const panel = new DressRulesPanel();
+    document.body.append(panel.element);
+    panel.reveal();
+    panel.show(3);
+    await vi.waitFor(() => expect(fetchSpeechRules).toHaveBeenCalled());
+
+    expect(panel.element.textContent).toContain(t('rulesPendingTitle'));
+    const studentsFieldset = panel.element.querySelector('fieldset.rules__fieldset');
+    if (!(studentsFieldset instanceof HTMLFieldSetElement)) {
+      throw new Error('students fieldset is missing');
+    }
+
+    const selects = [...studentsFieldset.querySelectorAll('select.input')];
+    expect(selects).toHaveLength(3);
+    const speechSelect = studentsFieldset.querySelector('select[data-speech="students"]');
+    if (!(speechSelect instanceof HTMLSelectElement)) {
+      throw new Error('student speech select is missing');
+    }
+
+    expect(selects[2]).toBe(speechSelect);
+    expect([...speechSelect.options].map((option) => option.value)).toEqual([
+      'free',
+      'noRude',
+      'studyOnly',
+    ]);
+    expect(studentsFieldset.textContent).toContain(t('rulesStudentsSpeech'));
+
+    const staffSpeech = panel.element.querySelector('select[data-speech="staff"]');
+    if (!(staffSpeech instanceof HTMLSelectElement)) {
+      throw new Error('staff speech select is missing');
+    }
+
+    expect(staffSpeech.closest('fieldset.rules__fieldset')?.querySelectorAll('select.input')).toHaveLength(3);
+  });
 });
diff --git a/src/HSchool.Client/src/ui/dressRulesPanel.ts b/src/HSchool.Client/src/ui/dressRulesPanel.ts
index e53fdae..8aa19c1 100644
--- a/src/HSchool.Client/src/ui/dressRulesPanel.ts
+++ b/src/HSchool.Client/src/ui/dressRulesPanel.ts
@@ -1,4 +1,4 @@
-import { fetchDressRules, setDressRules, type DressRulePair, type DressRules } from '../net/api.ts';
+import { fetchDressRules, fetchSpeechRules, setDressRules, setSpeechRules, type DressRulePair, type DressRules, type SpeechRules } from '../net/api.ts';
 import { t } from '../i18n/strings.ts';
 import { el } from './dom.ts';
 import {
@@ -7,6 +7,8 @@ import {
   dressFormLabel,
   dressFormOptions,
   dressRulesError,
+  speechPolicyLabel,
+  speechPolicyOptions,
 } from './dressRulesUi.ts';
 import { fillSelect } from './staffingUi.ts';
 
@@ -26,10 +28,20 @@ export class DressRulesPanel {
   private readonly studentsFormSelect = el('select', { class: 'input people__input' });
   private readonly studentsColorLabel = el('span', { class: 'people__label' });
   private readonly studentsColorSelect = el('select', { class: 'input people__input' });
+  private readonly studentsSpeechLabel = el('span', { class: 'people__label' });
+  private readonly studentsSpeechSelect = el('select', {
+    class: 'input people__input',
+    dataset: { speech: 'students' },
+  });
   private readonly staffFormLabel = el('span', { class: 'people__label' });
   private readonly staffFormSelect = el('select', { class: 'input people__input' });
   private readonly staffColorLabel = el('span', { class: 'people__label' });
   private readonly staffColorSelect = el('select', { class: 'input people__input' });
+  private readonly staffSpeechLabel = el('span', { class: 'people__label' });
+  private readonly staffSpeechSelect = el('select', {
+    class: 'input people__input',
+    dataset: { speech: 'staff' },
+  });
   private readonly applyButton = el('button', { class: 'button', type: 'button' });
 
   private readonly studentsLegend: HTMLElement;
@@ -37,6 +49,7 @@ export class DressRulesPanel {
 
   private schoolId: number | null = null;
   private rules: DressRules | null = null;
+  private speech: SpeechRules | null = null;
   private loadToken = 0;
   private busy = false;
 
@@ -70,6 +83,12 @@ export class DressRulesPanel {
             this.studentsColorLabel,
             this.studentsColorSelect,
           ),
+          el(
+            'label',
+            { class: 'people__field' },
+            this.studentsSpeechLabel,
+            this.studentsSpeechSelect,
+          ),
         ),
         el(
           'fieldset',
@@ -77,6 +96,7 @@ export class DressRulesPanel {
           el('legend', { class: 'people__section-title', text: '' }),
           el('label', { class: 'people__field' }, this.staffFormLabel, this.staffFormSelect),
           el('label', { class: 'people__field' }, this.staffColorLabel, this.staffColorSelect),
+          el('label', { class: 'people__field' }, this.staffSpeechLabel, this.staffSpeechSelect),
         ),
         this.applyButton,
       ),
@@ -100,15 +120,19 @@ export class DressRulesPanel {
     this.pendingHint.textContent = t('rulesPendingHint');
     this.studentsFormLabel.textContent = t('rulesStudentsForm');
     this.studentsColorLabel.textContent = t('rulesStudentsColor');
+    this.studentsSpeechLabel.textContent = t('rulesStudentsSpeech');
     this.staffFormLabel.textContent = t('rulesStaffForm');
     this.staffColorLabel.textContent = t('rulesStaffColor');
+    this.staffSpeechLabel.textContent = t('rulesStaffSpeech');
     this.applyButton.textContent = t('rulesApply');
     this.studentsLegend.textContent = t('rulesStudentsRole');
     this.staffLegend.textContent = t('rulesStaffRole');
     fillSelect(this.studentsFormSelect, dressFormOptions(), this.studentsFormSelect.value);
     fillSelect(this.studentsColorSelect, dressColorOptions(), this.studentsColorSelect.value);
+    fillSelect(this.studentsSpeechSelect, speechPolicyOptions(), this.studentsSpeechSelect.value);
     fillSelect(this.staffFormSelect, dressFormOptions(), this.staffFormSelect.value);
     fillSelect(this.staffColorSelect, dressColorOptions(), this.staffColorSelect.value);
+    fillSelect(this.staffSpeechSelect, speechPolicyOptions(), this.staffSpeechSelect.value);
     this.paint();
   }
 
@@ -116,6 +140,7 @@ export class DressRulesPanel {
     if (this.schoolId !== schoolId) {
       this.schoolId = schoolId;
       this.rules = null;
+      this.speech = null;
       this.clearError();
     }
 
@@ -138,12 +163,13 @@ export class DressRulesPanel {
 
     const token = ++this.loadToken;
     try {
-      const rules = await fetchDressRules(schoolId);
+      const [rules, speech] = await Promise.all([fetchDressRules(schoolId), fetchSpeechRules(schoolId)]);
       if (token !== this.loadToken) {
         return;
       }
 
       this.rules = rules;
+      this.speech = speech;
       this.paint();
     } catch {
       if (token !== this.loadToken) {
@@ -156,9 +182,10 @@ export class DressRulesPanel {
 
   private paint(): void {
     const rules = this.rules;
-    this.applyButton.disabled = this.busy || rules === null;
+    const speech = this.speech;
+    this.applyButton.disabled = this.busy || rules === null || speech === null;
 
-    if (rules === null) {
+    if (rules === null || speech === null) {
       this.currentStudents.textContent = '—';
       this.currentStaff.textContent = '—';
       return;
@@ -168,11 +195,13 @@ export class DressRulesPanel {
       role: t('rulesStudentsRole'),
       form: dressFormLabel(rules.students.form),
       color: dressColorLabel(rules.students.color),
+      speech: speechPolicyLabel(speech.students),
     });
     this.currentStaff.textContent = t('rulesRoleSummary', {
       role: t('rulesStaffRole'),
       form: dressFormLabel(rules.staff.form),
       color: dressColorLabel(rules.staff.color),
+      speech: speechPolicyLabel(speech.staff),
     });
 
     const pendingStudents = rules.pendingStudents ?? rules.students;
@@ -181,12 +210,19 @@ export class DressRulesPanel {
     fillSelect(this.studentsColorSelect, dressColorOptions(), pendingStudents.color);
     fillSelect(this.staffFormSelect, dressFormOptions(), pendingStaff.form);
     fillSelect(this.staffColorSelect, dressColorOptions(), pendingStaff.color);
+    fillSelect(
+      this.studentsSpeechSelect,
+      speechPolicyOptions(),
+      speech.pendingStudents ?? speech.students,
+    );
+    fillSelect(this.staffSpeechSelect, speechPolicyOptions(), speech.pendingStaff ?? speech.staff);
   }
 
   private async apply(): Promise<void> {
     const schoolId = this.schoolId;
     const rules = this.rules;
-    if (schoolId === null || rules === null || this.busy) {
+    const speech = this.speech;
+    if (schoolId === null || rules === null || speech === null || this.busy) {
       return;
     }
 
@@ -201,7 +237,21 @@ export class DressRulesPanel {
       body.staff = staff;
     }
 
-    if (body.students === undefined && body.staff === undefined) {
+    const speechBody: { students?: string; staff?: string } = {};
+    if (this.studentsSpeechSelect.value !== (speech.pendingStudents ?? speech.students)) {
+      speechBody.students = this.studentsSpeechSelect.value;
+    }
+
+    if (this.staffSpeechSelect.value !== (speech.pendingStaff ?? speech.staff)) {
+      speechBody.staff = this.staffSpeechSelect.value;
+    }
+
+    if (
+      body.students === undefined
+      && body.staff === undefined
+      && speechBody.students === undefined
+      && speechBody.staff === undefined
+    ) {
       return;
     }
 
@@ -209,7 +259,14 @@ export class DressRulesPanel {
     this.clearError();
     this.paint();
     try {
-      this.rules = await setDressRules(schoolId, body);
+      if (body.students !== undefined || body.staff !== undefined) {
+        this.rules = await setDressRules(schoolId, body);
+      }
+
+      if (speechBody.students !== undefined || speechBody.staff !== undefined) {
+        this.speech = await setSpeechRules(schoolId, speechBody);
+      }
+
       this.paint();
     } catch (error) {
       this.showError(dressRulesError(error));
diff --git a/src/HSchool.Client/src/ui/dressRulesUi.ts b/src/HSchool.Client/src/ui/dressRulesUi.ts
index b9fbbd2..3541ef8 100644
--- a/src/HSchool.Client/src/ui/dressRulesUi.ts
+++ b/src/HSchool.Client/src/ui/dressRulesUi.ts
@@ -51,7 +51,30 @@ export function dressRulesError(error: unknown): string {
       return t('dressErrorUnknownForm');
     case 'unknown-color':
       return t('dressErrorUnknownColor');
+    case 'unknown-speech':
+      return t('speechErrorUnknownPolicy');
     default:
       return error.message.length > 0 ? error.message : t('rulesSaveFailed');
   }
 }
+
+export const SPEECH_POLICIES = ['free', 'noRude', 'studyOnly'] as const;
+
+export type SpeechPolicy = (typeof SPEECH_POLICIES)[number];
+
+export function speechPolicyOptions(): readonly { value: SpeechPolicy; label: string }[] {
+  return SPEECH_POLICIES.map((value) => ({ value, label: speechPolicyLabel(value) }));
+}
+
+export function speechPolicyLabel(policy: string): string {
+  switch (policy) {
+    case 'free':
+      return t('speechPolicyFree');
+    case 'noRude':
+      return t('speechPolicyNoRude');
+    case 'studyOnly':
+      return t('speechPolicyStudyOnly');
+    default:
+      return policy;
+  }
+}
diff --git a/src/HSchool.Client/src/ui/managementPanel.test.ts b/src/HSchool.Client/src/ui/managementPanel.test.ts
index f2b2238..fcbbfe5 100644
--- a/src/HSchool.Client/src/ui/managementPanel.test.ts
+++ b/src/HSchool.Client/src/ui/managementPanel.test.ts
@@ -7,6 +7,7 @@ import {
   fetchPerson,
   fetchGameStatus,
   fetchDressRules,
+  fetchSpeechRules,
   fetchStaffing,
   fetchTimetable,
   hireStaff,
@@ -27,6 +28,7 @@ vi.mock('../net/api.ts', async (importOriginal) => {
     fetchStaffing: vi.fn(),
     fetchTimetable: vi.fn(),
     fetchDressRules: vi.fn(),
+    fetchSpeechRules: vi.fn(),
     fetchPerson: vi.fn(),
     fetchGameStatus: vi.fn().mockResolvedValue({
       tick: 0,
@@ -224,6 +226,7 @@ describe('ManagementPanel uncovered', () => {
     vi.mocked(fetchStaffing).mockReset();
     vi.mocked(fetchTimetable).mockReset();
     vi.mocked(fetchDressRules).mockReset();
+    vi.mocked(fetchSpeechRules).mockReset();
     vi.mocked(fetchStaffing).mockResolvedValue({
       ...staffing(),
       applicants: [],
@@ -245,6 +248,12 @@ describe('ManagementPanel uncovered', () => {
       pendingStudents: null,
       pendingStaff: null,
     });
+    vi.mocked(fetchSpeechRules).mockResolvedValue({
+      students: 'free',
+      staff: 'free',
+      pendingStudents: null,
+      pendingStaff: null,
+    });
   });
 
   afterEach(() => {
@@ -271,6 +280,7 @@ describe('ManagementPanel rules tab', () => {
     vi.mocked(fetchStaffing).mockReset();
     vi.mocked(fetchTimetable).mockReset();
     vi.mocked(fetchDressRules).mockReset();
+    vi.mocked(fetchSpeechRules).mockReset();
     vi.mocked(fetchStaffing).mockResolvedValue(staffing());
     vi.mocked(fetchTimetable).mockResolvedValue(timetable());
     vi.mocked(fetchDressRules).mockResolvedValue({
@@ -279,6 +289,12 @@ describe('ManagementPanel rules tab', () => {
       pendingStudents: null,
       pendingStaff: null,
     });
+    vi.mocked(fetchSpeechRules).mockResolvedValue({
+      students: 'free',
+      staff: 'free',
+      pendingStudents: null,
+      pendingStaff: null,
+    });
   });
 
   afterEach(() => {
diff --git a/src/HSchool.Content/PeopleDefs.cs b/src/HSchool.Content/PeopleDefs.cs
index 61cd49a..8bcd7fb 100644
--- a/src/HSchool.Content/PeopleDefs.cs
+++ b/src/HSchool.Content/PeopleDefs.cs
@@ -472,6 +472,12 @@ public sealed class BehaviorDef : Def
     /// <summary>Points each work morning moves an opinion toward family basis or zero.</summary>
     public int OpinionDriftPerMorning { get; init; } = 3;
 
+    /// <summary>
+    /// Family-morning opinion uses this fraction of the topic's school-talk shift. Below 1 so
+    /// breakfast is quieter than a corridor circle.
+    /// </summary>
+    public float HomeTalkOpinionScale { get; init; } = 0.5f;
+
     /// <summary>How many non-family friends or enemies the card lists at the top.</summary>
     public int OpinionTopCount { get; init; } = 5;
 
diff --git a/src/HSchool.Content/SpeechRules.cs b/src/HSchool.Content/SpeechRules.cs
new file mode 100644
index 0000000..253d0bc
--- /dev/null
+++ b/src/HSchool.Content/SpeechRules.cs
@@ -0,0 +1,68 @@
+namespace HSchool.Content;
+
+/// <summary>School speech-topic strictness. Values are wire and save ids.</summary>
+public static class SpeechPolicies
+{
+    public const string Free = "free";
+    public const string NoRude = "noRude";
+    public const string StudyOnly = "studyOnly";
+
+    public static readonly IReadOnlyList<string> All = [Free, NoRude, StudyOnly];
+
+    public static bool IsKnown(string value) =>
+        All.Any(candidate => candidate.Equals(value, StringComparison.Ordinal));
+
+    /// <summary>
+    /// Whether this topic may start under the live policy. Already-running circles are not filtered.
+    /// </summary>
+    public static bool Allows(string policy, TopicDef topic)
+    {
+        ArgumentNullException.ThrowIfNull(topic);
+        if (policy.Equals(StudyOnly, StringComparison.Ordinal))
+        {
+            return topic.Tags.Contains(TopicTags.Study, StringComparer.Ordinal);
+        }
+
+        if (policy.Equals(NoRude, StringComparison.Ordinal))
+        {
+            return !topic.Tags.Contains(TopicTags.Rude, StringComparer.Ordinal);
+        }
+
+        return true;
+    }
+}
+
+/// <summary>Live speech rules plus optional next-day overrides waiting for a work morning.</summary>
+public sealed record SchoolSpeechRules
+{
+    public string Students { get; init; } = SpeechPolicies.Free;
+
+    public string Staff { get; init; } = SpeechPolicies.Free;
+
+    public string? PendingStudents { get; init; }
+
+    public string? PendingStaff { get; init; }
+
+    public string For(bool student) => student ? Students : Staff;
+
+    public SchoolSpeechRules WithPending(string? students, string? staff) =>
+        this with { PendingStudents = students, PendingStaff = staff };
+
+    public SchoolSpeechRules ApplyPending()
+    {
+        var next = this;
+        if (PendingStudents is { } students)
+        {
+            next = next with { Students = students, PendingStudents = null };
+        }
+
+        if (PendingStaff is { } staff)
+        {
+            next = next with { Staff = staff, PendingStaff = null };
+        }
+
+        return next;
+    }
+
+    public bool HasPending => PendingStudents is not null || PendingStaff is not null;
+}
diff --git a/src/HSchool.People/Seed.cs b/src/HSchool.People/Seed.cs
index 41d6186..86f37e2 100644
--- a/src/HSchool.People/Seed.cs
+++ b/src/HSchool.People/Seed.cs
@@ -20,6 +20,7 @@ public static class Seed
     public const int WhisperSalt = 12;
     public const int OrientationSalt = 13;
     public const int ConflictSalt = 14;
+    public const int HomeSalt = 15;
 
     /// <summary>A stream that belongs to the school rather than to one family.</summary>
     public static int ForSchool(int schoolSeed, int salt) => Mix(schoolSeed, familyIndex: -1, salt);
diff --git a/src/HSchool.Server/Api/SchoolEndpoints.cs b/src/HSchool.Server/Api/SchoolEndpoints.cs
index e64197f..9fabc51 100644
--- a/src/HSchool.Server/Api/SchoolEndpoints.cs
+++ b/src/HSchool.Server/Api/SchoolEndpoints.cs
@@ -494,6 +494,81 @@ internal static class SchoolEndpoints
         })
         .WithName("SetSchoolDressRules");
 
+        schools.MapGet("/{id:int}/speech-rules", async (
+            int id,
+            HttpContext context,
+            SessionService sessions,
+            GameLoopService loop,
+            GameCommandQueue commands,
+            CancellationToken cancellationToken) =>
+        {
+            if (!SchoolAccess.TryGetNormalizedUser(context, sessions, out var normalizedUser))
+            {
+                return Results.Unauthorized();
+            }
+
+            var denied = SchoolAccess.RequireManage(loop, id, normalizedUser);
+            if (denied is not null)
+            {
+                return denied;
+            }
+
+            var command = new GameCommand.GetSpeechRules(id, NewCompletion<SpeechRulesOutcome>());
+            commands.Enqueue(command);
+            var outcome = await command.Result.Task.WaitAsync(CommandTimeout, cancellationToken);
+            return SpeechRulesHttp(outcome);
+        })
+        .WithName("GetSchoolSpeechRules");
+
+        schools.MapPost("/{id:int}/speech-rules", async (
+            int id,
+            SetSpeechRulesRequest request,
+            HttpContext context,
+            SessionService sessions,
+            GameLoopService loop,
+            GameCommandQueue commands,
+            CancellationToken cancellationToken) =>
+        {
+            if (!SchoolAccess.TryGetNormalizedUser(context, sessions, out var normalizedUser))
+            {
+                return Results.Unauthorized();
+            }
+
+            var denied = SchoolAccess.RequireManage(loop, id, normalizedUser);
+            if (denied is not null)
+            {
+                return denied;
+            }
+
+            string? students = null;
+            if (request.Students is { } studentValue)
+            {
+                if (!SpeechRulesValidation.TryParse(studentValue, out var parsed, out var studentError))
+                {
+                    return SpeechRulesBadRequest(studentError);
+                }
+
+                students = parsed;
+            }
+
+            string? staff = null;
+            if (request.Staff is { } staffValue)
+            {
+                if (!SpeechRulesValidation.TryParse(staffValue, out var parsed, out var staffError))
+                {
+                    return SpeechRulesBadRequest(staffError);
+                }
+
+                staff = parsed;
+            }
+
+            var command = new GameCommand.SetSpeechRules(id, students, staff, NewCompletion<SpeechRulesOutcome>());
+            commands.Enqueue(command);
+            var outcome = await command.Result.Task.WaitAsync(CommandTimeout, cancellationToken);
+            return SpeechRulesHttp(outcome);
+        })
+        .WithName("SetSchoolSpeechRules");
+
         schools.MapGet("/{id:int}/staffing", (
             int id,
             string? lang,
@@ -937,6 +1012,27 @@ internal static class SchoolEndpoints
                 "That colour policy is not recognized."),
             _ => Problem(StatusCodes.Status400BadRequest, "invalid-query", "The dress rules request is not valid."),
         };
+
+    private static IResult SpeechRulesHttp(SpeechRulesOutcome outcome) =>
+        outcome.Error switch
+        {
+            SpeechRulesError.None => Results.Ok(outcome.Rules),
+            SpeechRulesError.UnknownSchool => Problem(
+                StatusCodes.Status404NotFound,
+                "unknown-school",
+                "That school does not exist."),
+            _ => SpeechRulesBadRequest(outcome.Error),
+        };
+
+    private static IResult SpeechRulesBadRequest(SpeechRulesError error) =>
+        error switch
+        {
+            SpeechRulesError.UnknownPolicy => Problem(
+                StatusCodes.Status400BadRequest,
+                "unknown-speech",
+                "That speech policy is not recognized."),
+            _ => Problem(StatusCodes.Status400BadRequest, "invalid-query", "The speech rules request is not valid."),
+        };
 }
 
 /// <summary>Body of <c>POST /api/schools</c>. The start date is a game calendar date, not a real one.</summary>
diff --git a/src/HSchool.Server/Api/SpeechRulesModels.cs b/src/HSchool.Server/Api/SpeechRulesModels.cs
new file mode 100644
index 0000000..d0c299f
--- /dev/null
+++ b/src/HSchool.Server/Api/SpeechRulesModels.cs
@@ -0,0 +1,47 @@
+using HSchool.Content;
+
+namespace HSchool.Server.Api;
+
+internal sealed record SpeechRulesResponse(
+    string Students,
+    string Staff,
+    string? PendingStudents,
+    string? PendingStaff)
+{
+    public static SpeechRulesResponse From(SchoolSpeechRules rules) =>
+        new(rules.Students, rules.Staff, rules.PendingStudents, rules.PendingStaff);
+}
+
+internal sealed record SetSpeechRulesRequest(string? Students, string? Staff);
+
+internal enum SpeechRulesError
+{
+    None,
+    UnknownSchool,
+    UnknownPolicy,
+}
+
+internal sealed record SpeechRulesOutcome(SpeechRulesError Error, SpeechRulesResponse? Rules)
+{
+    public static SpeechRulesOutcome Ok(SchoolSpeechRules rules) =>
+        new(SpeechRulesError.None, SpeechRulesResponse.From(rules));
+
+    public static SpeechRulesOutcome Fail(SpeechRulesError error) => new(error, null);
+}
+
+internal static class SpeechRulesValidation
+{
+    public static bool TryParse(string value, out string policy, out SpeechRulesError error)
+    {
+        if (!SpeechPolicies.IsKnown(value))
+        {
+            policy = "";
+            error = SpeechRulesError.UnknownPolicy;
+            return false;
+        }
+
+        policy = value;
+        error = SpeechRulesError.None;
+        return true;
+    }
+}
diff --git a/src/HSchool.Server/Game/GameCommand.cs b/src/HSchool.Server/Game/GameCommand.cs
index 4158b3b..ce5cc13 100644
--- a/src/HSchool.Server/Game/GameCommand.cs
+++ b/src/HSchool.Server/Game/GameCommand.cs
@@ -113,4 +113,14 @@ internal abstract record GameCommand
         DressRulePair? PendingStudents,
         DressRulePair? PendingStaff,
         TaskCompletionSource<DressRulesOutcome> Result) : GameCommand;
+
+    internal sealed record GetSpeechRules(
+        int SchoolId,
+        TaskCompletionSource<SpeechRulesOutcome> Result) : GameCommand;
+
+    internal sealed record SetSpeechRules(
+        int SchoolId,
+        string? PendingStudents,
+        string? PendingStaff,
+        TaskCompletionSource<SpeechRulesOutcome> Result) : GameCommand;
 }
diff --git a/src/HSchool.Server/Game/GameLoopService.cs b/src/HSchool.Server/Game/GameLoopService.cs
index f857e3c..d8937e2 100644
--- a/src/HSchool.Server/Game/GameLoopService.cs
+++ b/src/HSchool.Server/Game/GameLoopService.cs
@@ -290,6 +290,17 @@ internal sealed class GameLoopService(
                     new WorkerCommand.SetDressRules(setRules.PendingStudents, setRules.PendingStaff, setRules.Result),
                     setRules.Result);
                 break;
+
+            case GameCommand.GetSpeechRules getSpeech:
+                HandleSpeechRules(getSpeech.SchoolId, new WorkerCommand.GetSpeechRules(getSpeech.Result), getSpeech.Result);
+                break;
+
+            case GameCommand.SetSpeechRules setSpeech:
+                HandleSpeechRules(
+                    setSpeech.SchoolId,
+                    new WorkerCommand.SetSpeechRules(setSpeech.PendingStudents, setSpeech.PendingStaff, setSpeech.Result),
+                    setSpeech.Result);
+                break;
         }
     }
 
@@ -328,6 +339,14 @@ internal sealed class GameLoopService(
         }
     }
 
+    private void HandleSpeechRules(int schoolId, WorkerCommand command, TaskCompletionSource<SpeechRulesOutcome> result)
+    {
+        if (!_workers.TryGetValue(schoolId, out var worker) || !worker.Post(command))
+        {
+            result.TrySetResult(SpeechRulesOutcome.Fail(SpeechRulesError.UnknownSchool));
+        }
+    }
+
     private void HandleStaffing(int schoolId, WorkerCommand command, TaskCompletionSource<StaffingOutcome> result)
     {
         if (!_workers.TryGetValue(schoolId, out var worker) || !worker.Post(command))
@@ -700,6 +719,7 @@ internal sealed class GameLoopService(
                 createSeed: null,
                 save.Presence,
                 save.DressRules,
+                save.SpeechRules,
                 save.Owner,
                 save.PortraitSettings);
             worker.Start();
@@ -758,6 +778,7 @@ internal sealed class GameLoopService(
         int? createSeed = null,
         IReadOnlyList<PresenceSnapshot>? presence = null,
         SchoolDressRules? dressRules = null,
+        SchoolSpeechRules? speechRules = null,
         string? owner = null,
         SwarmUiConfigFile? portraitSettings = null) =>
         new(
@@ -775,6 +796,7 @@ internal sealed class GameLoopService(
             createSeed,
             presence,
             dressRules,
+            speechRules,
             owner,
             portraitSettings,
             _options,
diff --git a/src/HSchool.Server/Game/SchoolStore.cs b/src/HSchool.Server/Game/SchoolStore.cs
index 625d1ef..20ec7fa 100644
--- a/src/HSchool.Server/Game/SchoolStore.cs
+++ b/src/HSchool.Server/Game/SchoolStore.cs
@@ -36,6 +36,8 @@ internal sealed class SchoolSave
 
     public SchoolDressRules? DressRules { get; init; }
 
+    public SchoolSpeechRules? SpeechRules { get; init; }
+
     /// <summary>Normalized player name. Missing or blank means ownerless.</summary>
     public string? Owner { get; init; }
 
@@ -179,6 +181,7 @@ internal sealed class SchoolStore
                     NativeLanguage = save.NativeLanguage,
                     Presence = save.Presence,
                     DressRules = save.DressRules,
+                    SpeechRules = save.SpeechRules,
                     Owner = save.Owner,
                     PortraitSettings = save.PortraitSettings,
                 });
diff --git a/src/HSchool.Server/Game/SchoolWorker.Mailbox.cs b/src/HSchool.Server/Game/SchoolWorker.Mailbox.cs
index 4fb1c8c..86387c7 100644
--- a/src/HSchool.Server/Game/SchoolWorker.Mailbox.cs
+++ b/src/HSchool.Server/Game/SchoolWorker.Mailbox.cs
@@ -125,6 +125,29 @@ internal sealed partial class SchoolWorker
                         dirty = true;
                         break;
                     }
+
+                    case WorkerCommand.GetSpeechRules getSpeech:
+                        getSpeech.Result.TrySetResult(SpeechRulesOutcome.Ok(school.SpeechRules));
+                        break;
+
+                    case WorkerCommand.SetSpeechRules setSpeech:
+                    {
+                        var next = school.SpeechRules;
+                        if (setSpeech.PendingStudents is { } students)
+                        {
+                            next = next with { PendingStudents = students };
+                        }
+
+                        if (setSpeech.PendingStaff is { } staff)
+                        {
+                            next = next with { PendingStaff = staff };
+                        }
+
+                        school.SpeechRules = next;
+                        setSpeech.Result.TrySetResult(SpeechRulesOutcome.Ok(school.SpeechRules));
+                        dirty = true;
+                        break;
+                    }
                 }
             }
             catch (Exception ex)
@@ -184,6 +207,12 @@ internal sealed partial class SchoolWorker
             case WorkerCommand.SetDressRules setRules:
                 setRules.Result.TrySetResult(DressRulesOutcome.Fail(DressRulesError.UnknownSchool));
                 break;
+            case WorkerCommand.GetSpeechRules getSpeech:
+                getSpeech.Result.TrySetResult(SpeechRulesOutcome.Fail(SpeechRulesError.UnknownSchool));
+                break;
+            case WorkerCommand.SetSpeechRules setSpeech:
+                setSpeech.Result.TrySetResult(SpeechRulesOutcome.Fail(SpeechRulesError.UnknownSchool));
+                break;
         }
     }
 
@@ -221,6 +250,12 @@ internal sealed partial class SchoolWorker
             case WorkerCommand.SetDressRules setRules:
                 setRules.Result.TrySetException(exception);
                 break;
+            case WorkerCommand.GetSpeechRules getSpeech:
+                getSpeech.Result.TrySetException(exception);
+                break;
+            case WorkerCommand.SetSpeechRules setSpeech:
+                setSpeech.Result.TrySetException(exception);
+                break;
         }
     }
 
diff --git a/src/HSchool.Server/Game/SchoolWorker.Persist.cs b/src/HSchool.Server/Game/SchoolWorker.Persist.cs
index f5ba79f..395bf65 100644
--- a/src/HSchool.Server/Game/SchoolWorker.Persist.cs
+++ b/src/HSchool.Server/Game/SchoolWorker.Persist.cs
@@ -207,6 +207,7 @@ internal sealed partial class SchoolWorker
                 NativeLanguage = _nativeLanguage,
                 Presence = school.CapturePresence(),
                 DressRules = school.DressRules,
+                SpeechRules = school.SpeechRules,
                 Owner = _owner,
                 PortraitSettings = _portraitSettings,
             });
diff --git a/src/HSchool.Server/Game/SchoolWorker.Tick.cs b/src/HSchool.Server/Game/SchoolWorker.Tick.cs
index c0f6ef6..ff76730 100644
--- a/src/HSchool.Server/Game/SchoolWorker.Tick.cs
+++ b/src/HSchool.Server/Game/SchoolWorker.Tick.cs
@@ -94,6 +94,7 @@ internal sealed partial class SchoolWorker
 
         _school = school;
         school.DressRules = _savedDressRules ?? new SchoolDressRules();
+        school.SpeechRules = _savedSpeechRules ?? new SchoolSpeechRules();
         PublishSnapshot();
 
         if (_isNew)
diff --git a/src/HSchool.Server/Game/SchoolWorker.cs b/src/HSchool.Server/Game/SchoolWorker.cs
index ca4fc6b..f547461 100644
--- a/src/HSchool.Server/Game/SchoolWorker.cs
+++ b/src/HSchool.Server/Game/SchoolWorker.cs
@@ -35,6 +35,7 @@ internal sealed partial class SchoolWorker
     private readonly int? _createSeed;
     private readonly IReadOnlyList<PresenceSnapshot>? _savedPresence;
     private readonly SchoolDressRules? _savedDressRules;
+    private readonly SchoolSpeechRules? _savedSpeechRules;
     private readonly string? _owner;
     private readonly SwarmUiConfigFile? _portraitSettings;
     private readonly Action<int> _onFailed;
@@ -73,6 +74,7 @@ internal sealed partial class SchoolWorker
         int? createSeed,
         IReadOnlyList<PresenceSnapshot>? savedPresence,
         SchoolDressRules? savedDressRules,
+        SchoolSpeechRules? savedSpeechRules,
         string? owner,
         SwarmUiConfigFile? portraitSettings,
         SimulationOptions options,
@@ -97,6 +99,7 @@ internal sealed partial class SchoolWorker
         _createSeed = createSeed;
         _savedPresence = savedPresence;
         _savedDressRules = savedDressRules;
+        _savedSpeechRules = savedSpeechRules;
         _owner = string.IsNullOrWhiteSpace(owner) ? null : owner;
         _portraitSettings = portraitSettings;
         _options = options;
diff --git a/src/HSchool.Server/Game/WorkerCommand.cs b/src/HSchool.Server/Game/WorkerCommand.cs
index 3ae06d7..4d39b3d 100644
--- a/src/HSchool.Server/Game/WorkerCommand.cs
+++ b/src/HSchool.Server/Game/WorkerCommand.cs
@@ -71,4 +71,11 @@ internal abstract record WorkerCommand
         DressRulePair? PendingStudents,
         DressRulePair? PendingStaff,
         TaskCompletionSource<DressRulesOutcome> Result) : WorkerCommand;
+
+    internal sealed record GetSpeechRules(TaskCompletionSource<SpeechRulesOutcome> Result) : WorkerCommand;
+
+    internal sealed record SetSpeechRules(
+        string? PendingStudents,
+        string? PendingStaff,
+        TaskCompletionSource<SpeechRulesOutcome> Result) : WorkerCommand;
 }
diff --git a/src/HSchool.Server/mods/core/defs/behavior/rules.jsonc b/src/HSchool.Server/mods/core/defs/behavior/rules.jsonc
index 94c09a6..11d1552 100644
--- a/src/HSchool.Server/mods/core/defs/behavior/rules.jsonc
+++ b/src/HSchool.Server/mods/core/defs/behavior/rules.jsonc
@@ -57,6 +57,7 @@
   "opinionSiblingStart": 45,
   "opinionPartnerStart": 65,
   "opinionDriftPerMorning": 3,
+  "homeTalkOpinionScale": 0.5,
   "opinionTopCount": 5,
   "opinionBands": [
     { "min": 70, "id": "OpinionCloseFriend" },
diff --git a/src/HSchool.Server/mods/core/localizations/en.jsonc b/src/HSchool.Server/mods/core/localizations/en.jsonc
index 69c2463..902e086 100644
--- a/src/HSchool.Server/mods/core/localizations/en.jsonc
+++ b/src/HSchool.Server/mods/core/localizations/en.jsonc
@@ -201,6 +201,7 @@
   "ActionStarted": "started: {0}",
   "ActionEnded": "finished: {0}",
   "TalkEnded": "talked about {0}",
+  "HomeTalk": "at home this morning: {0}",
   "Whispered": "whispered",
   "TeacherInterrupted": "the teacher cut them off",
   "Quarreled": "quarreled",
diff --git a/src/HSchool.Server/mods/core/localizations/ru.jsonc b/src/HSchool.Server/mods/core/localizations/ru.jsonc
index 08a7891..99a16de 100644
--- a/src/HSchool.Server/mods/core/localizations/ru.jsonc
+++ b/src/HSchool.Server/mods/core/localizations/ru.jsonc
@@ -201,6 +201,7 @@
   "ActionStarted": "начал: {0}",
   "ActionEnded": "закончил: {0}",
   "TalkEnded": "говорил о {0}",
+  "HomeTalk": "утром дома: {0}",
   "Whispered": "шептались",
   "TeacherInterrupted": "учитель оборвал",
   "Quarreled": "ссорились",
diff --git a/src/HSchool.Simulation/MorningDress.cs b/src/HSchool.Simulation/MorningDress.cs
index e4d9e51..cb6c55d 100644
--- a/src/HSchool.Simulation/MorningDress.cs
+++ b/src/HSchool.Simulation/MorningDress.cs
@@ -26,6 +26,12 @@ internal static class MorningDress
             changed = true;
         }
 
+        if (isWorkday && school.SpeechRules.HasPending)
+        {
+            school.SpeechRules = school.SpeechRules.ApplyPending();
+            changed = true;
+        }
+
         var offCampus = OffCampusIds(school);
         foreach (var person in school.Roster.People)
         {
diff --git a/src/HSchool.Simulation/MorningOpinions.cs b/src/HSchool.Simulation/MorningOpinions.cs
index d216043..78ccd0d 100644
--- a/src/HSchool.Simulation/MorningOpinions.cs
+++ b/src/HSchool.Simulation/MorningOpinions.cs
@@ -1,3 +1,4 @@
+using HSchool.Ai;
 using HSchool.Content;
 using HSchool.People;
 
@@ -25,6 +26,11 @@ internal static class MorningOpinions
             changed |= DriftPerson(school.Roster, rules, peopleById, person, rules.OpinionDriftPerMorning);
         }
 
+        foreach (var person in school.Roster.People)
+        {
+            changed |= FamilyMorning(school, peopleById, person, rules);
+        }
+
         return changed;
     }
 
@@ -63,4 +69,87 @@ internal static class MorningOpinions
 
         return changed;
     }
+
+    /// <summary>
+    /// One family topic per person. Parents stay off the map; this only moves the stored opinion.
+    /// Runs after drift so a parent already at the family basis still visibly shifts.
+    /// </summary>
+    private static bool FamilyMorning(
+        School school,
+        IReadOnlyDictionary<string, Person> peopleById,
+        Person person,
+        BehaviorDef rules)
+    {
+        var catalog = school.Catalog!;
+        var targetId = PickHomePartner(school.Roster!, person, peopleById);
+        if (targetId is null)
+        {
+            return false;
+        }
+
+        var topicId = TalkCircles.PickTaggedTopic(
+            catalog,
+            TopicTags.Family,
+            Seed.Mix(
+                school.PeopleSeed,
+                person.Id,
+                DateOnly.FromDateTime(school.Clock.Time).DayNumber,
+                Seed.HomeSalt));
+        if (topicId is null || !catalog.Topics.TryGetValue(topicId, out var topic))
+        {
+            return false;
+        }
+
+        var raw = topic.OpinionShift * rules.HomeTalkOpinionScale;
+        var delta = (int)Math.Round(raw, MidpointRounding.AwayFromZero);
+        if (delta == 0 && topic.OpinionShift != 0)
+        {
+            delta = topic.OpinionShift > 0 ? 1 : -1;
+        }
+
+        if (delta == 0)
+        {
+            return false;
+        }
+
+        var current = OpinionStore.Get(person, targetId) ?? 0;
+        var changed = OpinionStore.Set(person, targetId, current + delta);
+        school.AppendDayLog(new PersonLogEvent(
+            person.Id,
+            school.Clock.Time,
+            PersonLogTypes.HomeTalk,
+            topicId));
+        return changed;
+    }
+
+    private static string? PickHomePartner(
+        Roster roster,
+        Person person,
+        IReadOnlyDictionary<string, Person> peopleById)
+    {
+        var family = roster.Families.FirstOrDefault(candidate =>
+            candidate.Id.Equals(person.FamilyId, StringComparison.Ordinal));
+        if (family is null)
+        {
+            return null;
+        }
+
+        foreach (var id in family.ParentIds.OrderBy(value => value, StringComparer.Ordinal))
+        {
+            if (!id.Equals(person.Id, StringComparison.Ordinal) && peopleById.ContainsKey(id))
+            {
+                return id;
+            }
+        }
+
+        foreach (var id in family.ChildIds.OrderBy(value => value, StringComparer.Ordinal))
+        {
+            if (!id.Equals(person.Id, StringComparison.Ordinal) && peopleById.ContainsKey(id))
+            {
+                return id;
+            }
+        }
+
+        return null;
+    }
 }
diff --git a/src/HSchool.Simulation/PersonLog.cs b/src/HSchool.Simulation/PersonLog.cs
index 852b524..788e9e5 100644
--- a/src/HSchool.Simulation/PersonLog.cs
+++ b/src/HSchool.Simulation/PersonLog.cs
@@ -13,6 +13,7 @@ public static class PersonLogTypes
     public const string ActionStarted = "action-started";
     public const string ActionEnded = "action-ended";
     public const string TalkEnded = "talk-ended";
+    public const string HomeTalk = "home-talk";
     public const string Whispered = "whispered";
     public const string TeacherInterrupted = "teacher-interrupted";
     public const string Quarreled = "quarreled";
@@ -114,12 +115,14 @@ public sealed record PersonLogEvent(string PersonId, DateTime Time, string Type,
             return string.Format(CultureInfo.InvariantCulture, catalog.Text(locale, key), name);
         }
 
-        if (Type.Equals(PersonLogTypes.TalkEnded, StringComparison.Ordinal))
+        if (Type.Equals(PersonLogTypes.TalkEnded, StringComparison.Ordinal)
+            || Type.Equals(PersonLogTypes.HomeTalk, StringComparison.Ordinal))
         {
             var topic = catalog.Topics.TryGetValue(ThingDef ?? "", out var def)
                 ? catalog.Label(locale, def)
                 : ThingDef ?? Type;
-            return string.Format(CultureInfo.InvariantCulture, catalog.Text(locale, "TalkEnded"), topic);
+            var key = Type.Equals(PersonLogTypes.HomeTalk, StringComparison.Ordinal) ? "HomeTalk" : "TalkEnded";
+            return string.Format(CultureInfo.InvariantCulture, catalog.Text(locale, key), topic);
         }
 
         var localeKey = TypeToLocaleKey(Type);
diff --git a/src/HSchool.Simulation/School.cs b/src/HSchool.Simulation/School.cs
index 16d3e40..4bb2e41 100644
--- a/src/HSchool.Simulation/School.cs
+++ b/src/HSchool.Simulation/School.cs
@@ -89,6 +89,9 @@ public sealed class School : IDisposable
     /// <summary>Student and staff dress rules. Pending pair applies on the next work morning.</summary>
     public SchoolDressRules DressRules { get; set; } = new();
 
+    /// <summary>Student and staff speech-topic rules. Pending ids apply on the next work morning.</summary>
+    public SchoolSpeechRules SpeechRules { get; set; } = new();
+
     /// <summary>Skill everyone generated for this school speaks natively.</summary>
     public string? NativeLanguage { get; private set; }
 
diff --git a/src/HSchool.Simulation/TalkCircleSystem.cs b/src/HSchool.Simulation/TalkCircleSystem.cs
index 56328e3..523a799 100644
--- a/src/HSchool.Simulation/TalkCircleSystem.cs
+++ b/src/HSchool.Simulation/TalkCircleSystem.cs
@@ -11,7 +11,7 @@ internal sealed class ActiveTalkCircle
 
     public required string ActionId { get; init; }
 
-    public required string TopicId { get; init; }
+    public required string TopicId { get; set; }
 
     public required string NodeId { get; init; }
 
@@ -227,8 +227,12 @@ internal static class TalkCircleSystem
             school.Catalog!,
             initiator,
             initiator.AgeOn(school.Clock.Time),
-            Seed.Mix(school.PeopleSeed, initiator.Id, DateOnly.FromDateTime(school.Clock.Time).DayNumber, Seed.ApparelSalt + 20))
-            ?? school.Catalog!.Topics.Values.First(topic => !topic.Abstract).DefName;
+            Seed.Mix(school.PeopleSeed, initiator.Id, DateOnly.FromDateTime(school.Clock.Time).DayNumber, Seed.ApparelSalt + 20),
+            speechPolicy: school.SpeechRules.For(initiator.IsStudent));
+        if (topicId is null)
+        {
+            return false;
+        }
 
         var circle = new ActiveTalkCircle
         {
@@ -272,7 +276,8 @@ internal static class TalkCircleSystem
             initiator,
             initiator.AgeOn(school.Clock.Time),
             Seed.Mix(school.PeopleSeed, initiator.Id, DateOnly.FromDateTime(school.Clock.Time).DayNumber, Seed.ApparelSalt + 21),
-            whisperOnLesson: TalkActions.IsWhisper(action.DefName));
+            whisperOnLesson: TalkActions.IsWhisper(action.DefName),
+            speechPolicy: school.SpeechRules.For(initiator.IsStudent));
         if (TalkActions.IsTeacherTalk(action.DefName))
         {
             topicId = TalkCircles.PickTeacherTopic(
@@ -281,7 +286,10 @@ internal static class TalkCircleSystem
                 Seed.Mix(school.PeopleSeed, initiator.Id, DateOnly.FromDateTime(school.Clock.Time).DayNumber, Seed.WhisperSalt));
         }
 
-        topicId ??= school.Catalog.Topics.Values.First(topic => !topic.Abstract).DefName;
+        if (topicId is null)
+        {
+            return false;
+        }
 
         var circle = new ActiveTalkCircle
         {
diff --git a/tests/HSchool.Ai.Tests/TalkCirclesTests.cs b/tests/HSchool.Ai.Tests/TalkCirclesTests.cs
index dd7a57c..313d538 100644
--- a/tests/HSchool.Ai.Tests/TalkCirclesTests.cs
+++ b/tests/HSchool.Ai.Tests/TalkCirclesTests.cs
@@ -219,6 +219,53 @@ public class TalkCirclesTests
         Assert.Equal(50f + rules.TalkSkillPerHour, afterTalkHour);
     }
 
+    [Fact]
+    public void StudyOnlyPolicy_NeverPicksNonStudyTopic()
+    {
+        var (catalog, _, _) = World();
+        var picker = Person("a", ["RussianLanguage"]);
+        for (var i = 0; i < 80; i++)
+        {
+            var id = TalkCircles.PickTopic(catalog, picker, age: 14, seed: i * 137, speechPolicy: SpeechPolicies.StudyOnly);
+            Assert.NotNull(id);
+            Assert.Contains(TopicTags.Study, catalog.Topics[id].Tags, StringComparer.Ordinal);
+        }
+    }
+
+    [Fact]
+    public void NoRudePolicy_NeverPicksRudeTopic()
+    {
+        var (catalog, _, _) = World();
+        var picker = Person("a", ["RussianLanguage"]);
+        var rudeUnderFree = 0;
+        for (var i = 0; i < 11_000; i++)
+        {
+            var freeId = TalkCircles.PickTopic(catalog, picker, age: 14, seed: i, speechPolicy: SpeechPolicies.Free);
+            if (freeId is not null && catalog.Topics[freeId].Tags.Contains(TopicTags.Rude, StringComparer.Ordinal))
+            {
+                rudeUnderFree++;
+            }
+
+            var filtered = TalkCircles.PickTopic(catalog, picker, age: 14, seed: i, speechPolicy: SpeechPolicies.NoRude);
+            Assert.NotNull(filtered);
+            Assert.DoesNotContain(TopicTags.Rude, catalog.Topics[filtered].Tags, StringComparer.Ordinal);
+        }
+
+        Assert.True(rudeUnderFree > 0);
+    }
+
+    [Fact]
+    public void FamilyTaggedTopic_IsFromTopicDef()
+    {
+        var (catalog, _, _) = World();
+        var id = TalkCircles.PickTaggedTopic(catalog, TopicTags.Family, seed: 1);
+        Assert.NotNull(id);
+        Assert.Contains(TopicTags.Family, catalog.Topics[id].Tags, StringComparer.Ordinal);
+        var schoolShift = catalog.Topics[id].OpinionShift;
+        var home = (int)Math.Round(schoolShift * catalog.BehaviorRules!.HomeTalkOpinionScale, MidpointRounding.AwayFromZero);
+        Assert.True(Math.Abs(home) < Math.Abs(schoolShift) || schoolShift == 0);
+    }
+
     [Fact]
     public void Enemies_AreNotRankedAsInvitees()
     {
diff --git a/tests/HSchool.AppHost.Tests/SpeechRulesApiTests.cs b/tests/HSchool.AppHost.Tests/SpeechRulesApiTests.cs
new file mode 100644
index 0000000..7675f5d
--- /dev/null
+++ b/tests/HSchool.AppHost.Tests/SpeechRulesApiTests.cs
@@ -0,0 +1,74 @@
+using System.Net;
+using System.Net.Http.Json;
+
+namespace HSchool.AppHost.Tests;
+
+[Collection(AppHostCollection.Name)]
+public class SpeechRulesApiTests(AppHostFixture fixture)
+{
+    private static readonly DateTime Start = new(2012, 4, 3, 6, 0, 0, DateTimeKind.Utc);
+
+    [Fact]
+    public async Task NewSchool_DefaultSpeech_IsFree()
+    {
+        using var client = fixture.App.CreateHttpClient("server");
+        await SchoolApiTests.ResetAsync(client);
+        var school = await SchoolApiTests.CreateAsync(client, "Речь дефолт", Start, seed: 46);
+
+        var response = await client.GetAsync($"/api/schools/{school.Id}/speech-rules", TestContext.Current.CancellationToken);
+        Assert.Equal(HttpStatusCode.OK, response.StatusCode);
+        var rules = await response.Content.ReadFromJsonAsync<SpeechRulesDto>(TestContext.Current.CancellationToken);
+        Assert.NotNull(rules);
+        Assert.Equal("free", rules.Students);
+        Assert.Equal("free", rules.Staff);
+        Assert.Null(rules.PendingStudents);
+        Assert.Null(rules.PendingStaff);
+    }
+
+    [Fact]
+    public async Task PostStudyOnlyToday_QueuesPending_LeavesLiveFree()
+    {
+        using var client = fixture.App.CreateHttpClient("server");
+        await SchoolApiTests.ResetAsync(client);
+        var school = await SchoolApiTests.CreateAsync(client, "Речь завтра", Start, seed: 46);
+
+        var post = await client.PostAsJsonAsync(
+            $"/api/schools/{school.Id}/speech-rules",
+            new { students = "studyOnly" },
+            TestContext.Current.CancellationToken);
+        Assert.Equal(HttpStatusCode.OK, post.StatusCode);
+        var queued = await post.Content.ReadFromJsonAsync<SpeechRulesDto>(TestContext.Current.CancellationToken);
+        Assert.NotNull(queued);
+        Assert.Equal("free", queued.Students);
+        Assert.Equal("studyOnly", queued.PendingStudents);
+
+        var get = await client.GetFromJsonAsync<SpeechRulesDto>(
+            $"/api/schools/{school.Id}/speech-rules",
+            TestContext.Current.CancellationToken);
+        Assert.NotNull(get);
+        Assert.Equal("free", get.Students);
+        Assert.Equal("studyOnly", get.PendingStudents);
+    }
+
+    [Fact]
+    public async Task UnknownPolicy_Returns400()
+    {
+        using var client = fixture.App.CreateHttpClient("server");
+        await SchoolApiTests.ResetAsync(client);
+        var school = await SchoolApiTests.CreateAsync(client, "Плохая речь", Start, seed: 46);
+
+        using var response = await client.PostAsJsonAsync(
+            $"/api/schools/{school.Id}/speech-rules",
+            new { students = "silence" },
+            TestContext.Current.CancellationToken);
+
+        Assert.Equal(HttpStatusCode.BadRequest, response.StatusCode);
+        Assert.Equal("unknown-speech", await SchoolApiTests.ProblemCodeAsync(response));
+    }
+
+    private sealed record SpeechRulesDto(
+        string Students,
+        string Staff,
+        string? PendingStudents,
+        string? PendingStaff);
+}
diff --git a/tests/HSchool.Simulation.Tests/MorningOpinionsTests.cs b/tests/HSchool.Simulation.Tests/MorningOpinionsTests.cs
index 5847f7f..cab427c 100644
--- a/tests/HSchool.Simulation.Tests/MorningOpinionsTests.cs
+++ b/tests/HSchool.Simulation.Tests/MorningOpinionsTests.cs
@@ -79,6 +79,47 @@ public class MorningOpinionsTests
         Assert.False(child.Opinions.ContainsKey(classmate.Id));
     }
 
+    [Fact]
+    public void SkipFridayToMonday_AppliesHomeEventAndDrift()
+    {
+        var fridayEvening = new DateTime(2012, 4, 6, 22, 0, 0, DateTimeKind.Utc);
+        using var school = OpenEmpty(fridayEvening);
+        var child = school.Roster!.People.First(person => person.IsStudent && !person.IsParent);
+        var classmate = school.Roster.People.First(person =>
+            person.IsStudent
+            && !person.Id.Equals(child.Id, StringComparison.Ordinal)
+            && !OpinionStore.FamilyMemberIds(school.Roster, child).Contains(person.Id));
+        var family = school.Roster.Families.Single(row => row.Id.Equals(child.FamilyId, StringComparison.Ordinal));
+        var parentId = family.ParentIds
+            .OrderBy(id => id, StringComparer.Ordinal)
+            .First(id => school.Roster.People.Any(person => person.Id.Equals(id, StringComparison.Ordinal)));
+        var rules = school.Catalog!.BehaviorRules!;
+        var parentStart = rules.OpinionChildToParentStart;
+
+        OpinionStore.Set(child, parentId, parentStart);
+        OpinionStore.Set(child, classmate.Id, 30);
+
+        Assert.True(school.TrySkipEmpty().Succeeded);
+        Assert.Equal(new DateTime(2012, 4, 9, 6, 0, 0, DateTimeKind.Utc), school.Clock.Time);
+
+        Assert.True(child.Opinions.TryGetValue(parentId, out var parentView));
+        Assert.NotEqual(parentStart, parentView);
+
+        Assert.True(child.Opinions.TryGetValue(classmate.Id, out var classmateView));
+        Assert.True(classmateView < 30);
+        Assert.True(classmateView <= 30 - rules.OpinionDriftPerMorning);
+
+        var schoolShift = school.Catalog.Topics.Values
+            .Where(topic => !topic.Abstract && topic.Tags.Contains(TopicTags.Family, StringComparer.Ordinal))
+            .Select(topic => Math.Abs(topic.OpinionShift))
+            .DefaultIfEmpty(2)
+            .Max();
+        Assert.True(Math.Abs(parentView - parentStart) < schoolShift);
+        Assert.Contains(
+            school.DayLog,
+            row => row.PersonId == child.Id && row.Type.Equals(PersonLogTypes.HomeTalk, StringComparison.Ordinal));
+    }
+
     private static void AdvanceTo(School school, DateTime until)
     {
         while (school.Clock.Time < until)
diff --git a/tests/HSchool.Simulation.Tests/TalkCircleTests.cs b/tests/HSchool.Simulation.Tests/TalkCircleTests.cs
index ea073ad..4a94695 100644
--- a/tests/HSchool.Simulation.Tests/TalkCircleTests.cs
+++ b/tests/HSchool.Simulation.Tests/TalkCircleTests.cs
@@ -173,6 +173,75 @@ public class TalkCircleTests
         }
     }
 
+    [Fact]
+    public void PendingStudyOnlyToday_DoesNotChangeCurrentGamesCircle()
+    {
+        var (school, first, second) = TwoPupilsOnBreak();
+        using (school)
+        {
+            OpinionStore.Set(first, second.Id, 55);
+            OpinionStore.Set(second, first.Id, 55);
+            PlaceAt(school, first.Id, "corridor-1");
+            PlaceAt(school, second.Id, "corridor-1");
+            Assert.True(school.TryStartAction(first.Id, TalkActions.Chat));
+            var live = school.TalkCirclesById.Values.Single();
+            live.TopicId = "TopicGames";
+
+            school.SpeechRules = school.SpeechRules.WithPending(SpeechPolicies.StudyOnly, null);
+            Assert.Equal(SpeechPolicies.Free, school.SpeechRules.Students);
+
+            TalkCircleSystem.Apply(school, 0.5d);
+            Assert.Equal("TopicGames", school.TalkCircleOf(first.Id)?.TopicId);
+            Assert.Equal(SpeechPolicies.StudyOnly, school.SpeechRules.PendingStudents);
+        }
+    }
+
+    [Fact]
+    public void AfterWorkMorning_NoRudePolicy_StudentsDoNotStartRudeTopic()
+    {
+        var (school, first, second) = TwoPupilsOnBreak();
+        using (school)
+        {
+            school.SpeechRules = school.SpeechRules.WithPending(SpeechPolicies.NoRude, null);
+            MorningDress.Apply(school);
+            Assert.Equal(SpeechPolicies.NoRude, school.SpeechRules.Students);
+            Assert.Null(school.SpeechRules.PendingStudents);
+
+            TalkCircleSystem.Interrupt(school, first.Id);
+            TalkCircleSystem.Interrupt(school, second.Id);
+            PlaceAt(school, first.Id, "corridor-1");
+            PlaceAt(school, second.Id, "corridor-1");
+            OpinionStore.Set(first, second.Id, 55);
+            OpinionStore.Set(second, first.Id, 55);
+
+            var started = 0;
+            var classmates = school.Roster!.Classes.First(row => row.RoomId == "classroom-101").PupilIds
+                .Select(id => school.Roster.People.First(person => person.Id == id))
+                .ToArray();
+            foreach (var initiator in classmates)
+            {
+                TalkCircleSystem.Interrupt(school, initiator.Id);
+                PlaceAt(school, initiator.Id, "corridor-1");
+                PlaceAt(school, first.Id, "corridor-1");
+                PlaceAt(school, second.Id, "corridor-1");
+                if (!school.TryStartAction(initiator.Id, TalkActions.Chat))
+                {
+                    continue;
+                }
+
+                started++;
+                var circle = school.TalkCircleOf(initiator.Id);
+                Assert.NotNull(circle);
+                Assert.False(
+                    school.Catalog!.Topics[circle.TopicId].Tags.Contains(TopicTags.Rude, StringComparer.Ordinal),
+                    circle.TopicId);
+                TalkCircleSystem.Interrupt(school, initiator.Id);
+            }
+
+            Assert.True(started > 0);
+        }
+    }
+
     private static (School School, Person First, Person Second) TwoPupilsWithPhonesOnBreak()
     {
         var (catalog, map) = Vanilla();