pricing: land £7/£70 paid tier and make behaviour match

Marketing + behaviour pass to get the site ready for Paddle approval.

Pricing page
- £7/month, £70/year headline (was "Coming soon").
- Bigger tier names (was 11px uppercase mono — looked like chips).
- Real CTAs (button base styles were only scoped to .hero__ctas).
- "Best value" badge + drop-shadow on the Paid card; full-width
  block CTAs that align across both cards.
- "Free vs Paid at a glance" comparison table beneath the cards.
- Compact "Invite a friend — both get 50% off for 3 months"
  callout with the detail explanation behind a <dialog> popup.

Tier copy + behaviour now consistent
- Free strategic-log refresh is every 6 hours, not hourly. New
  read-side filter on /api/log/{latest,by-date} restricts free
  users to logs at boundary hours (00/06/12/18 UTC); paid users
  still see the most recent.
- Follow-up chat is paid-only. /api/chat returns 402 for free;
  the chat sidebar on /log is replaced with a locked aside and
  chat.js no longer loads at all for free users.
- Dashboard meta lines + landing copy softened so they no longer
  promise hourly to everyone.

Future-proofing copy on public pages
- Dropped "free forever" wording (we may close the free tier).
- "Trading 212 CSV" became "broker CSV (Trading 212 today; more
  planned)" on pricing + landing; the actual import UIs stay
  T212-specific.

Terms
- Renamed Terms of Service -> Terms and Conditions (Paddle
  expectation), bumped last-updated to 2026-05-26.
- New §6 Refunds covering the 14-day cooling off, post-window
  cancellation, termination-by-us refunds, statutory rights, and
  how to request a refund.
- Renumbered §7-§14 and fixed the disclaimer link labels.

Tests
- 6 new tests in tests/test_chat_and_log_gates.py cover the
  chat 402 + the boundary-hour filter on both log endpoints.
- Full suite: 205 passed, 5 skipped, 0 failed.

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

app/templates/landing.html

@@ -11,8 +11,8 @@
     tune out the high-frequency noise that comes from treating markets
     like a casino. We aggregate cross-asset news and macro signals,
     then write a plain-English read of what the underlying fundamentals
-    justify versus what the crowd is doing. Refreshed hourly. A media
-    service, not a financial one.
+    justify versus what the crowd is doing. Refreshed through the
+    trading day. A media service, not a financial one.
   </p>
   <div class="hero__ctas">
     {% if cu and (cu.user or cu.is_admin) %}
@@ -75,7 +75,7 @@
   </div>
 
   <div class="feature-card">
-    <div class="feature-card__tag">The hourly read</div>
+    <div class="feature-card__tag">The strategic read</div>
     <h3 class="feature-card__title">Rational vs irrational, every paragraph</h3>
     <p class="feature-card__body">
       We tie the day&rsquo;s headlines and the cross-asset signals into
@@ -88,8 +88,8 @@
     </p>
     <button class="shot feature-card__shot"
             data-full="{{ url_for('static', path='/images/strategic-log.png') }}"
-            data-alt="Strategic log — the hourly AI read"
-            data-caption="The strategic log. The model writes a fresh interpretation each hour, taking yesterday's draft as context so it updates rather than starts over. Sections are typed: date header, TL;DR, what moved, what to watch, system temperature.">
+            data-alt="Strategic log — the editorial AI read"
+            data-caption="The strategic log. The model writes a fresh interpretation through the trading day, taking the previous draft as context so it updates rather than starts over. Sections are typed: date header, TL;DR, what moved, what to watch, system temperature. Paid users get a refresh every hour; free users get one every six.">
       <img src="{{ url_for('static', path='/images/strategic-log.png') }}"
            alt="Strategic log thumbnail" loading="lazy">
     </button>
@@ -115,10 +115,11 @@
 
 <section class="public-section">
   <p style="font-size: 13.5px; color: var(--muted);">
-    Paid users can also drop a Trading 212 pie CSV for an AI
-    sense-check on concentration, regime fit, and currency exposure.
-    Holdings stay in your browser by default; opt in to encrypted cloud
-    sync to restore on another device.
+    Paid users can also drop a portfolio CSV from their broker
+    (Trading 212 today, more brokers planned) for an AI sense-check on
+    concentration, regime fit, and currency exposure. Holdings stay in
+    your browser by default; opt in to encrypted cloud sync to restore
+    on another device.
   </p>
 </section>