docs: drop Phase D.x markers now that the referral loop is closed

The "Phase D.1/D.2/D.3" comment scaffolding and the "Paddle webhook
will fill this in" references became actively misleading after D.3
landed — anyone reading the code would think referral conversion was
still pending. Also corrects a stale "Paddle" reference to "Stripe"
(we never shipped Paddle; ended up on Stripe after the Paddle → Polar
→ Stripe MoR onboarding pivot).

Pure docstring sweep, no behaviour change.

Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>

app/routers/pages.py

@@ -117,9 +117,10 @@ async def settings_page(
     session: AsyncSession = Depends(get_session),
     principal: CurrentUser = Depends(require_auth),
 ):
-    """Per-user settings. Currently shows email, tier, and the referral
-    block (own code + invite link + counts of pending/converted
-    referrals). The Credit / Paddle pieces land in D.3."""
+    """Per-user settings. Shows email, tier, Stripe subscription
+    management, email-digest preferences, cloud-sync status, portfolio
+    import, and the referral block (own code + invite link + counts of
+    pending / converted / actively-credited referrals)."""
     user = principal.user
     if user is None:
         # Bearer-token admin path — no per-user settings to show.

app/routers/universe.py

@@ -321,7 +321,7 @@ async def analyze_portfolio(
     is persisted. The ai_calls ledger row records tokens + cost, never
     holdings.
 
-    Gated behind ``require_paid`` (Phase D.2): free-tier users get 402.
+    Gated behind ``require_paid``: free-tier users get 402.
     Admin bearer-token bypasses the gate for testing."""
     # Read JSON body manually so we can enforce a hard size cap. FastAPI's
     # default body limit is generous; we want tighter control here.