compliance: flag-gate AI portfolio + cloud sync + Stripe; de-risk prompts; harden reviewer

Implements docs/read-markets-compliance-changes.md as flag-gated changes
(no deletions) so paused features stay in the tree for future re-enable.
All four flags default False so a fresh deploy is compliance-safe.

- New env flags: PORTFOLIO_AI_ENABLED, PORTFOLIO_SYNC_ENABLED,
  TICKER_UNIVERSE_AGGREGATE_ENABLED, SUBSCRIPTIONS_ENABLED.
- Gates: /api/analyze, /api/portfolio/sync*, /api/stripe/*, /pricing,
  ticker_universe writes, portfolio_analysis.analyse(). is_paid_active()
  returns True for any auth'd user when subscriptions are paused.
- Prompts (PROMPT_VERSION 10): universal _COMPLIANCE_RIDER prepended to
  every system prompt; watch list removed; price-target / close-above-below
  / trigger / forward-state-as-description rules added; SPECULATIVE
  pivoted to regime-only scenarios; daily + weekly digests tightened.
- Reviewer: deterministic regex/lexicon pre-check fail-closed under the
  Haiku call; portfolio rider gated by PORTFOLIO_AI_ENABLED; base prompt
  sharpened for forward-state and MAR forward-opinion patterns;
  ReviewerVerdict audit table; generate_with_review retry helper.
- Migration 0026: purge portfolio_sync + ticker_universe; create
  reviewer_verdicts.
- Copy: MAR cite fixed to Art 3(1)(35) + Art 20 + Del Reg 2016/958;
  portfolio reframed as browser-only viewer in disclaimer / privacy /
  terms / about / pricing / landing (en + it). TODO(legal) marker for
  lawyer sign-off on disclaimer.
- Tests: 13 lexicon + 6 reviewer compliance regressions; conftest enables
  all flags so existing 402 tests still cover their code paths.

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

.env.example

@@ -25,3 +25,11 @@ OPENROUTER_MODEL=deepseek/deepseek-v4-flash    # cheap & fast; swap to anthropic
 OPENROUTER_MONTHLY_CAP_USD=20
 CASSANDRA_TONE=INTERMEDIATE      # NOVICE | INTERMEDIATE | PRO
 CASSANDRA_ANALYSIS=SPECULATIVE   # DRY | SPECULATIVE
+
+# --- Compliance feature flags (default false = compliance-safe) ---
+# See docs/read-markets-compliance-changes.md. Code paths stay in the tree;
+# flip a flag to reactivate.
+PORTFOLIO_AI_ENABLED=false                 # /api/analyze + dashboard AI read + reviewer portfolio rider
+PORTFOLIO_SYNC_ENABLED=false               # /api/portfolio/sync* + cloud-sync UI + PortfolioSync writes
+TICKER_UNIVERSE_AGGREGATE_ENABLED=false    # ticker_universe buffer/flush/upsert writes (server-learns-nothing)
+SUBSCRIPTIONS_ENABLED=false                # Stripe checkout/webhook/portal + /pricing + paid-tier gating