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>

tests/conftest.py

@@ -18,6 +18,17 @@ sys.path.insert(0, str(ROOT))
 os.environ.setdefault("DATABASE_URL", "sqlite+aiosqlite:///:memory:")
 os.environ.setdefault("CASSANDRA_MOCK", "1")
 
+# Compliance feature flags default to False in app.config — deployment is
+# automatically compliance-safe. For the test suite we want all code paths
+# exercisable (Stripe routes, paid-tier gating, portfolio AI, cloud sync),
+# so flip every flag on here. Tests that specifically want to verify
+# flag-off behavior override these via monkeypatch.setenv or direct
+# settings override.
+os.environ.setdefault("PORTFOLIO_AI_ENABLED", "true")
+os.environ.setdefault("PORTFOLIO_SYNC_ENABLED", "true")
+os.environ.setdefault("TICKER_UNIVERSE_AGGREGATE_ENABLED", "true")
+os.environ.setdefault("SUBSCRIPTIONS_ENABLED", "true")
+
 
 import pytest