How could Xero improve the homepage?

Given several feedback points on the forum, I feel now is the time to investigate exposing greater visual customisation options - not just for the homepage, although this could be an initial test ground, but also across the whole of the product.

Most of these can be implemented quite easily through adjustments in CSS, driven by user preferences, ensuring that Xero holistically adopts a consistent set of rendering styles. There should be zero impact on the actual functionality, with the majority of the changes/improvements sitting entirely within the presentation/UI of the product.

These preferences would include visual and accessibility options, such as:

1. The ability to choose whether borders are shown around widgets.
2. How negative numbers are shown, whether in red/black and using minus or brackets.
3. How many columns (a maximum) are shown on the dashboard (2, 3, or 4).
4. Possibility for "dark" and "light" themes, or even a custom theme defined by the user.
5. Whether high-contract colouring is adopted, or other accessibility options such as font-size.

There are many feedback points regarding these individual issues - rather than being fixed by Xero itself (which is what the Xero responses seem to imply), I believe the majority of the feedback is showing that we need visual customisation/flexibility to ensure that Xero works within our individual workflows and our own business/working environments.

To be honest, I'm surprised this further level of flexibility has not been considered as part of the new homepage - although I appreciate to get a consistent level of customisation across the whole product would be involve further effort (especially if those areas have not been designed to support easy customisation through CSS).