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/services/portfolio_analysis.py

@@ -328,6 +328,10 @@ async def analyse(
     object is a function-local — when this function returns, the pie is
     garbage-collected. No DB writes mention positions."""
     s = get_settings()
+    # Defense-in-depth: the route is already gated by require_flag, but a
+    # direct service call must not bypass the compliance pause.
+    if not s.PORTFOLIO_AI_ENABLED:
+        raise RuntimeError("portfolio AI commentary is disabled")
     system, user = build_prompt(req)
 
     review_cost = 0.0
@@ -372,7 +376,8 @@ async def analyse(
         # purpose of this surface, while keeping explicit
         # buy/sell/allocation directives forbidden.
         if llm is not None:
-            verdict = await review_read(client, llm.content, surface="portfolio")
+            verdict = await review_read(client, llm.content,
+                                        surface="portfolio", session=session)
             review_cost = verdict.cost_usd or 0.0
             if not verdict.clean:
                 status = "leaked"