diff --git a/src/pages/Reconciliation.test.tsx b/src/pages/Reconciliation.test.tsx
index 0c6e12a..e1c1667 100644
--- a/src/pages/Reconciliation.test.tsx
+++ b/src/pages/Reconciliation.test.tsx
@@ -4,9 +4,10 @@
 (globalThis as { IS_REACT_ACT_ENVIRONMENT?: boolean }).IS_REACT_ACT_ENVIRONMENT =
   true;
 
-import React, { act } from "react";
+import React, { act, useEffect } from "react";
 import { createRoot, type Root } from "react-dom/client";
-import { describe, expect, it, vi, beforeEach } from "vitest";
+import { describe, expect, it, vi, beforeEach, afterEach } from "vitest";
+import { MemoryRouter, useLocation } from "react-router-dom";
 import { QueryClient, QueryClientProvider } from "@tanstack/react-query";
 import { ReconciliationPage } from "./Reconciliation";
 import { api } from "@/lib/api";
@@ -28,6 +29,23 @@ vi.mock("@/lib/api", () => ({
   },
 }));
 
+/**
+ * Tracks the current MemoryRouter location so tests can assert on
+ * navigation without poking at window.location (MemoryRouter doesn't
+ * touch it). Mounted as a sibling under the same router.
+ */
+function LocationTracker({
+  on,
+}: {
+  on: (pathname: string, search: string) => void;
+}) {
+  const loc = useLocation();
+  useEffect(() => {
+    on(loc.pathname, loc.search);
+  }, [loc.pathname, loc.search, on]);
+  return null;
+}
+
 /**
  * Minimal `render` helper using react-dom/client + act(). Mirrors the
  * `renderHook` helper in `useReconciliation.test.ts` — see that file's
@@ -35,22 +53,50 @@ vi.mock("@/lib/api", () => ({
  * yet, and adding one just for these tests would inflate the dev-deps
  * tree). Returns the rendered container so tests can assert against
  * the live DOM via `container.textContent`.
+ *
+ * SP21 Phase 5 Task 5.5: optionally wraps with a MemoryRouter so the
+ * `useNavigate()` call (claim drill to /claims?claim=ID) has a router
+ * context. Without this, `useNavigate()` would throw in tests that
+ * trigger a claim-card click. Tests that don't need a router can keep
+ * using the default (no router) path.
  */
-function renderIntoContainer(element: React.ReactElement): {
+function renderIntoContainer(
+  element: React.ReactElement,
+  options: { withRouter?: boolean; initialEntries?: string[] } = {},
+): {
   container: HTMLDivElement;
   unmount: () => void;
+  tracker?: { pathname: string; search: string };
 } {
   const container = document.createElement("div");
   document.body.appendChild(container);
   const qc = new QueryClient({ defaultOptions: { queries: { retry: false } } });
 
+  let tracker: { pathname: string; search: string } | undefined;
+  const track = (pathname: string, search: string) => {
+    if (!tracker) tracker = { pathname, search };
+    tracker.pathname = pathname;
+    tracker.search = search;
+  };
+
+  const inner = options.withRouter
+    ? React.createElement(
+        MemoryRouter,
+        {
+          initialEntries: options.initialEntries ?? ["/reconciliation"],
+        },
+        React.createElement(LocationTracker, { on: track }),
+        element,
+      )
+    : element;
+
   const root: Root = createRoot(container);
   act(() => {
     root.render(
       React.createElement(
         QueryClientProvider,
         { client: qc },
-        element
+        inner
       )
     );
   });
@@ -61,6 +107,7 @@ function renderIntoContainer(element: React.ReactElement): {
       act(() => root.unmount());
       container.remove();
     },
+    tracker,
   };
 }
 
@@ -94,6 +141,33 @@ describe("ReconciliationPage", () => {
     (
       api.getRemittance as unknown as ReturnType<typeof vi.fn>
     ).mockReturnValue(new Promise(() => {}));
+    // SP21 Phase 5 Task 5.5: reset window.location to a clean
+    // /reconciliation URL so `useRemitDrawerUrlState`'s mount-time
+    // read doesn't see a `?remit=REM-DRILL` from the previous
+    // test's `open()` history push. Without this, a test that
+    // asserts the drawer isn't open still finds the drawer
+    // mounted on initial render (driven by history state, not by
+    // a click).
+    (window as unknown as { happyDOM: { setURL: (u: string) => void } })
+      .happyDOM.setURL("http://localhost/reconciliation");
+    // SP21 Phase 5 Task 5.5: the previous test may have left a Radix
+    // portal in document.body. Clear them before each test so a
+    // "drawer not in DOM" assertion isn't polluted by a stale portal.
+    document.body
+      .querySelectorAll('[role="dialog"]')
+      .forEach((node) => node.remove());
+  });
+
+  afterEach(() => {
+    // SP21 Phase 5 Task 5.5: the RemitDrawer portals into
+    // document.body. Each test renders + unmounts, but happy-dom's
+    // document.body persists across tests within the file, so we
+    // explicitly remove any lingering Radix portals here. Without
+    // this, a test that asserts `drawer not in DOM` would still
+    // find a leftover portal from the previous test.
+    document.body
+      .querySelectorAll('[role="dialog"]')
+      .forEach((node) => node.remove());
   });
 
   it("SP21 Task 4.6: deep-link ?remit=ID opens the RemitDrawer on mount", async () => {
@@ -138,6 +212,7 @@ describe("ReconciliationPage", () => {
 
     const { unmount } = renderIntoContainer(
       React.createElement(ReconciliationPage),
+      { withRouter: true },
     );
 
     // Wait for the loaded two-column view (the "Pair them." headline
@@ -188,7 +263,8 @@ describe("ReconciliationPage", () => {
     });
 
     const { unmount } = renderIntoContainer(
-      React.createElement(ReconciliationPage)
+      React.createElement(ReconciliationPage),
+      { withRouter: true },
     );
     await waitForText("CLM-1");
 
@@ -206,7 +282,8 @@ describe("ReconciliationPage", () => {
     ).mockResolvedValue({ claims: [], remittances: [] });
 
     const { unmount } = renderIntoContainer(
-      React.createElement(ReconciliationPage)
+      React.createElement(ReconciliationPage),
+      { withRouter: true },
     );
     await waitForText("nothing pending");
 
@@ -216,4 +293,213 @@ describe("ReconciliationPage", () => {
     expect(document.body.textContent).not.toContain("Unmatched claims (");
     unmount();
   });
+
+  it("SP21 Task 5.5: clicking the claim card body drills to /claims?claim=ID", async () => {
+    // Task 5.5 splits the gesture: clicking the card body drills into
+    // the ClaimDrawer via /claims?claim=ID, while a separate
+    // "Select for match" button toggles the row's selection. The
+    // card is no longer a single <button>; the body region is a
+    // button with its own onClick that calls navigate().
+    (
+      api.listUnmatched as unknown as ReturnType<typeof vi.fn>
+    ).mockResolvedValue({
+      claims: [
+        {
+          id: "CLM-DRILL",
+          patientName: "Patient Drill",
+          billedAmount: 250,
+          providerNpi: "1234567890",
+          serviceDate: "2026-06-19",
+          payerId: "P1",
+          state: "submitted",
+        },
+      ],
+      remittances: [],
+    });
+
+    const { unmount, tracker } = renderIntoContainer(
+      React.createElement(ReconciliationPage),
+      { withRouter: true, initialEntries: ["/reconciliation"] },
+    );
+    await waitForText("CLM-DRILL");
+
+    // Click the claim card body (the body region is the inner <button>
+    // that contains the id). It's not the "Select for match" toggle
+    // — the body region has aria-label="View claim CLM-DRILL in detail".
+    const bodyBtn = document.body.querySelector(
+      'button[aria-label="View claim CLM-DRILL in detail"]',
+    ) as HTMLButtonElement | null;
+    expect(bodyBtn).not.toBeNull();
+    await act(async () => {
+      bodyBtn!.click();
+      await Promise.resolve();
+    });
+
+    expect(tracker?.pathname).toBe("/claims");
+    expect(tracker?.search).toBe("?claim=CLM-DRILL");
+    unmount();
+  });
+
+  it("SP21 Task 5.5: clicking the 'Select for match' button toggles selection without drilling", async () => {
+    // The select button calls e.stopPropagation() before setSelectedClaim,
+    // so the row body click handler doesn't fire. Verify the URL stays
+    // on /reconciliation and the "Match selected" button becomes enabled
+    // (or at least that selection state advances).
+    (
+      api.listUnmatched as unknown as ReturnType<typeof vi.fn>
+    ).mockResolvedValue({
+      claims: [
+        {
+          id: "CLM-SEL",
+          patientName: "Patient Select",
+          billedAmount: 175,
+          providerNpi: "1234567890",
+          serviceDate: "2026-06-19",
+          payerId: "P1",
+          state: "submitted",
+        },
+      ],
+      remittances: [
+        {
+          id: "REM-SEL",
+          payerClaimControlNumber: "PCN-SEL",
+          status: "received",
+          paidAmount: 175,
+          adjustmentAmount: 0,
+          receivedDate: "2026-06-19",
+          isReversal: false,
+          totalCharge: 175,
+          serviceDate: "2026-06-19",
+          batchId: "b1",
+        },
+      ],
+    });
+
+    const { unmount, tracker } = renderIntoContainer(
+      React.createElement(ReconciliationPage),
+      { withRouter: true },
+    );
+    await waitForText("CLM-SEL");
+
+    // Click the claim "Select for match" toggle. It has
+    // data-testid="recon-claim-select-CLM-SEL" and should NOT drill.
+    const selectBtn = document.body.querySelector(
+      '[data-testid="recon-claim-select-CLM-SEL"]',
+    ) as HTMLButtonElement | null;
+    expect(selectBtn).not.toBeNull();
+    expect(selectBtn!.textContent).toContain("Select for match");
+    await act(async () => {
+      selectBtn!.click();
+      await Promise.resolve();
+    });
+
+    // URL stays on /reconciliation — selection didn't drill.
+    expect(tracker?.pathname).toBe("/reconciliation");
+    // The toggle button now reads "Unselect" (clicked once).
+    const updatedBtn = document.body.querySelector(
+      '[data-testid="recon-claim-select-CLM-SEL"]',
+    ) as HTMLButtonElement | null;
+    expect(updatedBtn?.textContent).toContain("Unselect");
+    unmount();
+  });
+
+  it("SP21 Task 5.5: clicking the remit card body opens the RemitDrawer", async () => {
+    // Task 5.5 also restructures the remits column — the body is no
+    // longer role="button" with a select-onClick handler. The body
+    // drills into the RemitDrawer via open(r.id); selection moves to
+    // a dedicated "Select for match" toggle.
+    (
+      api.listUnmatched as unknown as ReturnType<typeof vi.fn>
+    ).mockResolvedValue({
+      claims: [],
+      remittances: [
+        {
+          id: "REM-DRILL",
+          payerClaimControlNumber: "PCN-DRILL",
+          status: "received",
+          paidAmount: 100,
+          adjustmentAmount: 0,
+          receivedDate: "2026-06-19",
+          isReversal: false,
+          totalCharge: 100,
+          serviceDate: "2026-06-19",
+          batchId: "b1",
+        },
+      ],
+    });
+
+    const { unmount } = renderIntoContainer(
+      React.createElement(ReconciliationPage),
+      { withRouter: true },
+    );
+    await waitForText("PCN-DRILL");
+
+    // Click the remit card body (inner <button> with aria-label).
+    const bodyBtn = document.body.querySelector(
+      'button[aria-label="View remittance PCN-DRILL in detail"]',
+    ) as HTMLButtonElement | null;
+    expect(bodyBtn).not.toBeNull();
+    await act(async () => {
+      bodyBtn!.click();
+      await Promise.resolve();
+    });
+
+    // RemitDrawer should be mounted in document.body.
+    expect(
+      document.body.querySelector('[data-testid="remit-drawer"]'),
+    ).not.toBeNull();
+    unmount();
+  });
+
+  it("SP21 Task 5.5: clicking the remit 'Select for match' button toggles selection without opening drawer", async () => {
+    // The remit select toggle has e.stopPropagation() — clicking it
+    // shouldn't open the RemitDrawer (which used to be a side effect
+    // when the outer card was role="button" with onClick=select).
+    (
+      api.listUnmatched as unknown as ReturnType<typeof vi.fn>
+    ).mockResolvedValue({
+      claims: [],
+      remittances: [
+        {
+          id: "REM-SEL",
+          payerClaimControlNumber: "PCN-SEL2",
+          status: "received",
+          paidAmount: 100,
+          adjustmentAmount: 0,
+          receivedDate: "2026-06-19",
+          isReversal: false,
+          totalCharge: 100,
+          serviceDate: "2026-06-19",
+          batchId: "b1",
+        },
+      ],
+    });
+
+    const { unmount } = renderIntoContainer(
+      React.createElement(ReconciliationPage),
+      { withRouter: true },
+    );
+    await waitForText("PCN-SEL2");
+
+    const selectBtn = document.body.querySelector(
+      '[data-testid="recon-remit-select-REM-SEL"]',
+    ) as HTMLButtonElement | null;
+    expect(selectBtn).not.toBeNull();
+    expect(selectBtn!.textContent).toContain("Select for match");
+    await act(async () => {
+      selectBtn!.click();
+      await Promise.resolve();
+    });
+
+    // No drawer.
+    expect(
+      document.body.querySelector('[data-testid="remit-drawer"]'),
+    ).toBeNull();
+    // Toggle flipped.
+    const updated = document.body.querySelector(
+      '[data-testid="recon-remit-select-REM-SEL"]',
+    ) as HTMLButtonElement | null;
+    expect(updated?.textContent).toContain("Unselect");
+    unmount();
+  });
 });
diff --git a/src/pages/Reconciliation.tsx b/src/pages/Reconciliation.tsx
index a47d062..520c173 100644
--- a/src/pages/Reconciliation.tsx
+++ b/src/pages/Reconciliation.tsx
@@ -5,6 +5,7 @@ import {
   GitMerge,
   X,
 } from "lucide-react";
+import { useNavigate } from "react-router-dom";
 import { toast } from "sonner";
 import { useReconciliation } from "@/hooks/useReconciliation";
 import { ApiError } from "@/lib/api";
@@ -12,7 +13,6 @@ import { Skeleton } from "@/components/ui/skeleton";
 import { ErrorState } from "@/components/ui/error-state";
 import { Button } from "@/components/ui/button";
 import { RemitDrawer } from "@/components/RemitDrawer";
-import { DrillableCell } from "@/components/drill/DrillableCell";
 import { useRemitDrawerUrlState } from "@/hooks/useRemitDrawerUrlState";
 import { cn } from "@/lib/utils";
 
@@ -34,6 +34,11 @@ export function ReconciliationPage() {
   // links land with the drawer open. Selection state stays local
   // — the drill is a separate gesture from the match selection.
   const { remitId, open, close } = useRemitDrawerUrlState();
+  // SP21 Phase 5 Task 5.5: claim drill from the card body navigates
+  // to /claims?claim=ID so the ClaimDrawer mounts in-place on the
+  // /claims route. Selection for matching stays local — the drill
+  // gesture is separate from the match selection gesture.
+  const navigate = useNavigate();
   const [selectedClaim, setSelectedClaim] = useState<string | null>(null);
   const [selectedRemit, setSelectedRemit] = useState<string | null>(null);
 
@@ -658,11 +663,17 @@ export function ReconciliationPage() {
                 {claims.map((c) => {
                   const active = selectedClaim === c.id;
                   return (
-                    <button
+                    // SP21 Phase 5 Task 5.5: card body drills into the
+                    // ClaimDrawer; selection for matching lives on a
+                    // dedicated button inside the card. The card is no
+                    // longer a single <button> — it's a <div> with a
+                    // clickable body region (cursor-pointer) and a
+                    // separate "Select for match" toggle. We split the
+                    // gestures so the operator can review the claim
+                    // without accidentally queuing it for pairing.
+                    <div
                       key={c.id}
-                      type="button"
-                      onClick={() => setSelectedClaim(c.id)}
-                      aria-pressed={active}
+                      data-testid="recon-claim-card"
                       className={cn(
                         "w-full text-left p-3.5 min-h-[44px] rounded-md border transition-colors",
                         active
@@ -670,27 +681,71 @@ export function ReconciliationPage() {
                           : "border-[hsl(30_14%_14%/_0.14)] bg-[hsl(36_22%_98%)] hover:bg-[hsl(36_22%_94%)] hover:border-[hsl(30_14%_14%/_0.25)]"
                       )}
                     >
-                      <div
-                        className="display mono text-[13.5px]"
-                        style={{ color: "hsl(var(--surface-ink))" }}
+                      {/* Body — drillable into /claims?claim=ID. We
+                          use a button (not an <a>) because we're
+                          staying on the SPA; the ClaimDrawer mounts
+                          when Claims.tsx reads ?claim= off the URL.
+                          e.stopPropagation in DrillableCell prevents
+                          the click from reaching the select button
+                          below. */}
+                      <button
+                        type="button"
+                        onClick={() =>
+                          navigate(
+                            `/claims?claim=${encodeURIComponent(c.id)}`,
+                          )
+                        }
+                        aria-label={`View claim ${c.id} in detail`}
+                        className="w-full text-left cursor-pointer rounded-sm p-0 m-0 border-0 bg-transparent"
                       >
-                        {c.id}
-                      </div>
-                      <div
-                        className="text-[12.5px] mt-0.5"
-                        style={{ color: "hsl(var(--surface-ink-2))" }}
+                        <div
+                          className="display mono text-[13.5px]"
+                          style={{ color: "hsl(var(--surface-ink))" }}
+                        >
+                          {c.id}
+                        </div>
+                        <div
+                          className="text-[12.5px] mt-0.5"
+                          style={{ color: "hsl(var(--surface-ink-2))" }}
+                        >
+                          {c.patientName}
+                        </div>
+                        <div
+                          className="mono text-[11px] mt-1"
+                          style={{ color: "hsl(var(--surface-ink-3))" }}
+                        >
+                          {c.serviceDate ?? "—"} · $
+                          {c.billedAmount.toFixed(2)} · NPI{" "}
+                          {c.providerNpi ?? "—"}
+                        </div>
+                      </button>
+                      {/* Selection toggle — separate gesture so a drill
+                          doesn't auto-select the row for matching. */}
+                      <button
+                        type="button"
+                        onClick={(e) => {
+                          e.stopPropagation();
+                          setSelectedClaim(active ? null : c.id);
+                        }}
+                        aria-pressed={active}
+                        data-testid={`recon-claim-select-${c.id}`}
+                        className={cn(
+                          "mt-2 inline-flex items-center gap-1.5 px-2.5 py-1 rounded-sm text-[10.5px] mono uppercase tracking-[0.16em] font-semibold transition-colors",
+                          active
+                            ? "bg-[hsl(212_100%_45%)] text-white"
+                            : "bg-[hsl(36_22%_92%)] text-[hsl(var(--surface-ink-2))] hover:bg-[hsl(212_85%_92%)]",
+                        )}
                       >
-                        {c.patientName}
-                      </div>
-                      <div
-                        className="mono text-[11px] mt-1"
-                        style={{ color: "hsl(var(--surface-ink-3))" }}
-                      >
-                        {c.serviceDate ?? "—"} · $
-                        {c.billedAmount.toFixed(2)} · NPI{" "}
-                        {c.providerNpi ?? "—"}
-                      </div>
-                    </button>
+                        {active ? (
+                          <>
+                            <X className="h-3 w-3" strokeWidth={2.5} />
+                            Unselect
+                          </>
+                        ) : (
+                          <>Select for match</>
+                        )}
+                      </button>
+                    </div>
                   );
                 })}
               </PairColumn>
@@ -743,18 +798,13 @@ export function ReconciliationPage() {
                 {remittances.map((r) => {
                   const active = selectedRemit === r.id;
                   return (
+                    // SP21 Phase 5 Task 5.5: card body drills into the
+                    // RemitDrawer; selection for matching lives on a
+                    // dedicated button. Same gesture-split as the
+                    // claims column — body = drill, button = select.
                     <div
                       key={r.id}
-                      role="button"
-                      tabIndex={0}
-                      aria-pressed={active}
-                      onClick={() => setSelectedRemit(r.id)}
-                      onKeyDown={(e) => {
-                        if (e.key === "Enter" || e.key === " ") {
-                          e.preventDefault();
-                          setSelectedRemit(r.id);
-                        }
-                      }}
+                      data-testid="recon-remit-card"
                       className={cn(
                         "w-full text-left p-3.5 min-h-[44px] rounded-md border transition-colors",
                         active
@@ -762,41 +812,68 @@ export function ReconciliationPage() {
                           : "border-[hsl(30_14%_14%/_0.14)] bg-[hsl(36_22%_98%)] hover:bg-[hsl(36_22%_94%)] hover:border-[hsl(30_14%_14%/_0.25)]"
                       )}
                     >
-                      <div
-                        className="mono text-[13.5px] flex items-center gap-2"
-                        style={{ color: "hsl(var(--surface-ink))" }}
+                      {/* Body — drillable. The whole body is one
+                          <button>; no nested DrillableCell (a <button>
+                          inside a <button> is invalid HTML and warns
+                          in the console). The PCN still gets the
+                          chevron affordance via the `drillable` class
+                          added directly to the inner span. */}
+                      <button
+                        type="button"
+                        onClick={() => open(r.id)}
+                        aria-label={`View remittance ${r.payerClaimControlNumber} in detail`}
+                        className="w-full text-left cursor-pointer rounded-sm p-0 m-0 border-0 bg-transparent"
                       >
-                        {/* DrillableCell wraps the PCN text — clicking
-                            the text drills into the RemitDrawer; the
-                            surrounding div onClick (which selects the
-                            row for the match action) is suppressed
-                            because DrillableCell calls
-                            e.stopPropagation() in its onClick. The
-                            DrillableCell is its own <button>, so the
-                            outer row had to move off <button> to
-                            avoid invalid nested-button HTML. */}
-                        <DrillableCell
-                          onClick={() => open(r.id)}
-                          ariaLabel={`View remittance ${r.payerClaimControlNumber}`}
+                        <div
+                          className="mono text-[13.5px] flex items-center gap-2"
+                          style={{ color: "hsl(var(--surface-ink))" }}
                         >
-                          <span className="display">{r.payerClaimControlNumber}</span>
-                        </DrillableCell>
-                        {r.isReversal ? (
-                          <span
-                            className="text-[10px] uppercase tracking-[0.18em] mono font-semibold"
-                            style={{ color: "hsl(36 92% 30%)" }}
-                          >
-                            Reversal
+                          <span className="display drillable inline-flex items-center gap-0 rounded-sm">
+                            {r.payerClaimControlNumber}
                           </span>
-                        ) : null}
-                      </div>
-                      <div
-                        className="mono text-[11px] mt-1"
-                        style={{ color: "hsl(var(--surface-ink-3))" }}
+                          {r.isReversal ? (
+                            <span
+                              className="text-[10px] uppercase tracking-[0.18em] mono font-semibold"
+                              style={{ color: "hsl(36 92% 30%)" }}
+                            >
+                              Reversal
+                            </span>
+                          ) : null}
+                        </div>
+                        <div
+                          className="mono text-[11px] mt-1"
+                          style={{ color: "hsl(var(--surface-ink-3))" }}
+                        >
+                          Status {r.status} · ${r.paidAmount.toFixed(2)} paid · $
+                          {r.adjustmentAmount.toFixed(2)} adj
+                        </div>
+                      </button>
+                      {/* Selection toggle — separate gesture from
+                          drill. Same pattern as the claims column. */}
+                      <button
+                        type="button"
+                        onClick={(e) => {
+                          e.stopPropagation();
+                          setSelectedRemit(active ? null : r.id);
+                        }}
+                        aria-pressed={active}
+                        data-testid={`recon-remit-select-${r.id}`}
+                        className={cn(
+                          "mt-2 inline-flex items-center gap-1.5 px-2.5 py-1 rounded-sm text-[10.5px] mono uppercase tracking-[0.16em] font-semibold transition-colors",
+                          active
+                            ? "bg-[hsl(36_92%_50%)] text-[hsl(30_14%_14%)]"
+                            : "bg-[hsl(36_22%_92%)] text-[hsl(var(--surface-ink-2))] hover:bg-[hsl(36_82%_88%)]",
+                        )}
                       >
-                        Status {r.status} · ${r.paidAmount.toFixed(2)} paid · $
-                        {r.adjustmentAmount.toFixed(2)} adj
-                      </div>
+                        {active ? (
+                          <>
+                            <X className="h-3 w-3" strokeWidth={2.5} />
+                            Unselect
+                          </>
+                        ) : (
+                          <>Select for match</>
+                        )}
+                      </button>
                     </div>
                   );
                 })}