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>

app/locales/en.yaml

@@ -77,12 +77,11 @@ features:
       every hour; free users get one every six.
 
 multilang_callout: >-
-  Every AI-generated surface — strategic log, indicator reads,
-  portfolio analysis, chat, daily digest — is available in
-  <strong>English</strong> and <strong>Italian</strong>. Toggle the
-  language pill in the header and the panels refresh in place;
-  ticker symbols, currency codes and numbers stay verbatim across
-  languages.
+  Every AI-generated surface — strategic log, indicator reads, chat,
+  daily digest — is available in <strong>English</strong> and
+  <strong>Italian</strong>. Toggle the language pill in the header
+  and the panels refresh in place; ticker symbols, currency codes
+  and numbers stay verbatim across languages.
 
 more_views:
   head: "More views"
@@ -96,10 +95,10 @@ more_views:
     caption_span: "Conversational follow-ups with the day's context loaded."
 
 portfolio_blurb: >-
-  Paid users can also drop a portfolio CSV from their broker 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.
+  Drop a portfolio CSV from your broker to see your sector, currency
+  and concentration breakdown — computed entirely in your browser.
+  Holdings stay in your browser; nothing about them is sent to or
+  stored on the server.
 
 not_strip:
   head: "What this isn't."

app/locales/it.yaml

@@ -82,10 +82,10 @@ features:
 
 multilang_callout: >-
   Ogni superficie generata dall'IA — log strategico, letture degli
-  indicatori, analisi di portafoglio, chat, digest giornaliero — è
-  disponibile in <strong>Inglese</strong> e <strong>Italiano</strong>.
-  Usa il selettore di lingua nell'header e i pannelli si aggiornano
-  in tempo reale; simboli ticker, codici valuta e numeri restano
+  indicatori, chat, digest giornaliero — è disponibile in
+  <strong>Inglese</strong> e <strong>Italiano</strong>. Usa il
+  selettore di lingua nell'header e i pannelli si aggiornano in
+  tempo reale; simboli ticker, codici valuta e numeri restano
   invariati tra le lingue.
 
 more_views:
@@ -101,12 +101,10 @@ more_views:
     caption_span: "Domande conversazionali con il contesto della giornata già caricato."
 
 portfolio_blurb: >-
-  Gli utenti paganti possono anche caricare un CSV di portafoglio
-  dal loro broker per un sense-check IA su concentrazione,
-  coerenza con il regime di mercato ed esposizione valutaria. Le
-  posizioni restano nel browser per impostazione predefinita;
-  l'attivazione opzionale del cloud sync (crittografato)
-  permette di ritrovarle su un altro dispositivo.
+  Carica un CSV di portafoglio dal tuo broker per vedere la
+  ripartizione per settore, valuta e concentrazione — calcolata
+  interamente nel tuo browser. Le posizioni restano nel browser;
+  nulla sui tuoi titoli viene inviato o conservato sul server.
 
 not_strip:
   head: "Cosa questo NON è."