diff --git a/CHANGELOG.md b/CHANGELOG.md
index 7f05ce2..2d9d50b 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -19,6 +19,27 @@ page as `v0.1.0 · <sha> · <date>`, so what is deployed can always be identifie
 
 ---
 
+## 0.8.6 — 2026-09-29
+
+### A Competitive seat gets its save when the game is over
+
+`/api/save` handed any seat its save — seed and all — while the game ran. The comment said every
+move was already on the player's screen, which was true of the moves and false of the seed, and the
+seed is every rival's hand and the order of the deck: the exact thing the shared log strips. But a
+save without a seed is not a save. **Jesse's ruling: accept the leak in Co-op; otherwise, save only
+at the end of the game.** A Competitive seat is refused with `SAVE_AFTER_FINISH` until the game is
+finished, and the Save replay button says why and waits; a Co-op table, which has nothing to hide
+from itself, and a one-seat game download at any time.
+
+### A correction to the 0.8.3 entry
+
+It says the Second Section card went into the deck "without a line in its notes". 0.8.2's release
+notes did name it — "ordering a Second Section costs the card, which was declared in the rules and
+never actually dealt". What was missing was not the line but the save check after the change; the
+process rule in `TODO.md` stands as written.
+
+---
+
 ## 0.8.5 — 2026-09-29
 
 The third release from the audit: housekeeping. Nothing a player can see changes; what changes is
diff --git a/TODO.md b/TODO.md
index 7158bc4..616fa96 100644
--- a/TODO.md
+++ b/TODO.md
@@ -695,7 +695,10 @@ were NOT fixed, each with the reason, so nothing quietly evaporates.
       (f) `package.json`'s `test/**/*.test.ts` only works because dash has no globstar and there is
       exactly one nesting level; spell it `test/*/*.test.ts`.
 
-- [ ] **#117** — **`/api/save` hands every seat the seed mid-game — NEEDS JESSE.** The seat's own
+- [x] **#117** — **RULED 2026-09-29 (Jesse): "accept the leak in coop. otherwise save only at end of
+      game."** Built the same day: `/api/save` answers `403 SAVE_AFTER_FINISH` to a Competitive seat
+      while the game runs and serves a Co-op or one-seat game at any time; the page's Save replay
+      button says so and stays disabled until the end. Originally: **`/api/save` hands every seat the seed mid-game — NEEDS JESSE.** The seat's own
       save download returns `seed` while the game is active; in Competitive that is every rival's
       hand and the deck order, the exact leak `game.ts` strips from the log. But a save without the
       seed cannot replay, which is the whole point of a save. Jesse (2026-09-29): "We should discuss
diff --git a/docs/components.md b/docs/components.md
index ebfb314..77c2424 100644
--- a/docs/components.md
+++ b/docs/components.md
@@ -1,6 +1,6 @@
 # Station Master — Components and Markers
 
-**Version 0.8.5** · 2026-09-29
+**Version 0.8.6** · 2026-09-29
 
 **Scope:** non-card physical components and supplies. Card-created facilities, workers, deck piles,
 hand state, timetable state and other markers are documented with their cards or in the
diff --git a/docs/home-deck.md b/docs/home-deck.md
index 8456acd..d3b09ec 100644
--- a/docs/home-deck.md
+++ b/docs/home-deck.md
@@ -1,6 +1,6 @@
 # Station Master — Home Deck
 
-**Version 0.8.5** · 2026-09-29
+**Version 0.8.6** · 2026-09-29
 
 **Scope:** the Home Office deck — how it is dealt, drawn, discarded and reshuffled, and what the
 rules are for playing each kind of card out of it.
diff --git a/docs/mainline-deck.md b/docs/mainline-deck.md
index 8bdd139..0cc9d16 100644
--- a/docs/mainline-deck.md
+++ b/docs/mainline-deck.md
@@ -1,6 +1,6 @@
 # Station Master — Mainline Deck
 
-**Version 0.8.5** · 2026-09-29
+**Version 0.8.6** · 2026-09-29
 
 **Scope:** the tarot-sized Mainline cards placed between Offices — how the deck is dealt, what a
 card does to a train crossing it, and the Home Deck cards played onto one.
diff --git a/docs/quickstart.md b/docs/quickstart.md
index 6d224e7..a1cb450 100644
--- a/docs/quickstart.md
+++ b/docs/quickstart.md
@@ -1,6 +1,6 @@
 # Station Master — Quickstart
 
-**Version 0.8.5** · 2026-09-29
+**Version 0.8.6** · 2026-09-29
 
 For a player who has never played.
 
diff --git a/docs/rules.md b/docs/rules.md
index 1b38212..ab0e5f2 100644
--- a/docs/rules.md
+++ b/docs/rules.md
@@ -1,6 +1,6 @@
 # Station Master — Rules
 
-**Version 0.8.5** · 2026-09-29
+**Version 0.8.6** · 2026-09-29
 
 **Authority:** observed code paths and tests. Where a card face, a prototype document and executable
 behaviour differ, this document reports **executable behaviour** and marks unimplemented material.
@@ -372,6 +372,11 @@ stay where they are.
 So multiplayer changes shared traffic, scores, turn order and how the game is won or lost — not card
 attacks, which do not exist in any mode.
 
+**Saving a multiplayer game.** The server holds the save; **Save replay** downloads your copy. A save
+carries the seed, and the seed is the whole deal — every hand and the order of the deck — so in a
+**Competitive** game the download is available once the game is over. In **Co-op** it is available
+at any time.
+
 ## 7. Frequently asked questions
 
 ### Is the same seed always the same game?
diff --git a/package.json b/package.json
index af7fcb9..b04ce27 100644
--- a/package.json
+++ b/package.json
@@ -1,6 +1,6 @@
 {
   "name": "station-master",
-  "version": "0.8.5",
+  "version": "0.8.6",
   "private": true,
   "type": "module",
   "description": "Station Master — a railroad operations game",
diff --git a/src/server/http.ts b/src/server/http.ts
index 90e63ec..20caa37 100644
--- a/src/server/http.ts
+++ b/src/server/http.ts
@@ -845,8 +845,15 @@ export function startServer(opts: ServerOptions): Server {
        * The administrative export at `/api/games/<id>/save` is gated on the admin secret, which a player
        * does not have and should not need: a save is the seed and the moves, and every one of those moves
        * is already on this player's screen. So the seat's own session token is the gate, exactly as it is
-       * for `/api/stream` and `/api/intent` — it proves which game and which chair, and nothing else is
-       * disclosed. The page turns the JSON into a file (`main.ts`'s `downloadSave`).
+       * for `/api/stream` and `/api/intent` — it proves which game and which chair. The page turns the
+       * JSON into a file (`main.ts`'s `downloadSave`).
+       *
+       * NOT WHILE A COMPETITIVE GAME IS RUNNING (Jesse's ruling, 2026-09-29, TODO #117). "Every one of
+       * those moves is already on this player's screen" was true of the moves and false of the SEED,
+       * which a save has to carry to be a save — and the seed is every rival's hand and the deck order
+       * for the rest of the game, the exact thing `game.ts` strips from the shared log. So a
+       * Competitive seat gets its save once the game is over; a Co-op table has nothing to hide from
+       * itself and gets it at any time, as does a one-seat game.
        */
       if (url.pathname === '/api/save' && req.method === 'GET') {
         const ps = sessions.get(url.searchParams.get('token') ?? '');
@@ -855,7 +862,13 @@ export function startServer(opts: ServerOptions): Server {
           sendJson(res, 404, { error: 'no such game' });
           return;
         }
-        sendJson(res, 200, { gameId: ps.gameId, save: session.exportSave() });
+        const save = session.exportSave();
+        const competitive = save.config.mode === 'competitive' && save.playerNames.length > 1;
+        if (competitive && save.status !== 'finished') {
+          sendJson(res, 403, { error: 'SAVE_AFTER_FINISH' });
+          return;
+        }
+        sendJson(res, 200, { gameId: ps.gameId, save });
         return;
       }
 
diff --git a/src/web/main.ts b/src/web/main.ts
index 3fc2f3a..a3faeed 100644
--- a/src/web/main.ts
+++ b/src/web/main.ts
@@ -1497,6 +1497,19 @@ function render(): void {
   const f = session.view();
   const menu = session.menu();
   noteFirstFrame(f, rejoiningRemote);
+  /**
+   * A COMPETITIVE SAVE WAITS FOR THE END (Jesse's ruling, TODO #117). The file carries the seed,
+   * which is every rival's hand, so `/api/save` refuses it while the game runs — and the button
+   * says so here rather than silently doing nothing when clicked.
+   */
+  const saveBtn = document.getElementById('savefile') as HTMLButtonElement | null;
+  if (saveBtn && !isLocal(session)) {
+    const locked = f.mode === 'competitive' && f.status !== 'finished';
+    saveBtn.disabled = locked;
+    saveBtn.title = locked
+      ? 'In a Competitive game the save file carries the whole deal, so it can be downloaded once the game is over'
+      : 'Download this game as a save file you can replay or share';
+  }
 
   // Which squares the selected card or track piece may go on. Highlighting them is what turns the
   // coordinate list into a board: you pick the thing, then click where it goes.
diff --git a/test/server/http.test.ts b/test/server/http.test.ts
index 41a4481..b1c7e28 100644
--- a/test/server/http.test.ts
+++ b/test/server/http.test.ts
@@ -151,6 +151,25 @@ describe('the HTTP layer (v0.8.4)', () => {
     assert.equal(reconnect['lastSeq'], 1, 'the reconnect push does not carry the count');
   });
 
+  it('hands a Competitive seat its save only once the game is over, and a Co-op seat at any time', async () => {
+    // Jesse's ruling on TODO #117: the seed in a save is every rival's hand, so a Competitive
+    // download waits for the end; a co-operative table has nothing to hide from itself.
+    const { host } = await table();
+    assert.equal((await post('/api/lobby/start', { token: host.token })).status, 200);
+    const refused = await fetch(base + `/api/save?token=${host.token}`);
+    assert.equal(refused.status, 403, 'a running Competitive game handed out its seed');
+    assert.deepEqual(await refused.json(), { error: 'SAVE_AFTER_FINISH' });
+
+    const coop = await post('/api/lobby/create', { secret: SECRET, config: { ...config, mode: 'coop' }, displayName: 'Host', players: 2 });
+    const coopHost = coop.json as unknown as Seat;
+    assert.equal((await post('/api/lobby/join', { secret: SECRET, gameCode: coopHost.gameCode, displayName: 'Guest' })).status, 200);
+    assert.equal((await post('/api/lobby/start', { token: coopHost.token })).status, 200);
+    const allowed = await fetch(base + `/api/save?token=${coopHost.token}`);
+    assert.equal(allowed.status, 200, 'a Co-op seat could not download its save');
+    const body = (await allowed.json()) as { save: { seed: number } };
+    assert.equal(typeof body.save.seed, 'number');
+  });
+
   it('applies a burst of concurrent moves one at a time and leaves the save readable', async () => {
     const { host, guest } = await table();
     assert.equal((await post('/api/lobby/start', { token: host.token })).status, 200);