pricing: reflect what's actually shipped — add chat, tighten bullets

Audit against the live feature set surfaced one missing entry and a few
soft phrasings:

- Free now lists "Ask follow-up questions on any past log" — the /api/chat
  endpoint has no paid gate (router-level require_token only), so it's
  available to every signed-in user. The landing-page screenshot already
  showed it; the pricing page didn't mention it.

- "Per-group cross-asset summaries" → "Cross-asset indicator panels
  (equities, rates, FX, …) with a one-paragraph AI read on each tab" —
  more concrete about what the user actually sees.

- "Novice / Intermediate reading levels" → spelled out what each does
  (Novice defines jargon; Intermediate is terse).

- Free's exclusion list explicitly includes "Daily email digest" so the
  paid/free distinction reads cleanly without back-and-forth.

- Paid's daily-digest bullet now leads with the word count target
  (~600 words) so the value is concrete, not abstract.

- Encrypted cloud sync bullet now names the actual security model
  (PIN-derived in-browser + server-side outer wrap).

Added a small "Invite a friend" footnote — the credit ledger and invite
link both ship today; the rate kicks in with the payments rollout. Honest
phrasing keeps it from looking like vaporware.

Intro paragraph rewritten to lead with what's free (most of the editorial)
rather than what paid extends, since the free tier is the entry point.

app/templates/pricing.html

@@ -6,10 +6,11 @@
 <section class="public-section">
   <h1 class="public-section__head">Pricing</h1>
   <p>
-    Two tiers. The news aggregator and hourly AI interpretation are
-    available to everyone &mdash; paid extends the news window from
-    6 hours to 24 hours and adds daily editorial by email, plus the
-    portfolio-import features.
+    Two tiers. Most of the editorial stays free &mdash; the news
+    aggregator, the hourly AI read, the indicator panels, the
+    follow-up chat. Paid extends the news window from 6 hours to a
+    full 24, unlocks portfolio import &amp; analysis, and adds a
+    daily email digest on top of the Sunday recap everyone gets.
   </p>
 </section>
 
@@ -20,14 +21,15 @@
     <div class="tier-card__price">&pound;0</div>
     <div class="tier-card__price-hint">Forever. No card needed.</div>
     <ul>
-      <li>News aggregator &mdash; last 6 hours, auto-tagged by theme</li>
-      <li>Cross-asset macro signals across every asset class</li>
-      <li>Hourly AI interpretation of the news + the tape</li>
-      <li>Per-group cross-asset summaries</li>
-      <li>Novice / Intermediate reading levels</li>
-      <li><strong>Sunday weekly digest by email</strong></li>
+      <li>News aggregator &mdash; last 6 hours, auto-tagged by theme, click-to-filter</li>
+      <li>Cross-asset indicator panels (equities, rates, FX, commodities, credit, &hellip;) with a one-paragraph AI read on each tab</li>
+      <li>Hourly strategic log &mdash; a single editorial interpretation of the day, updated each hour</li>
+      <li>Ask follow-up questions on any past log &mdash; the chat has the day&rsquo;s context loaded</li>
+      <li>Two reading levels: <em>Novice</em> (defines jargon) or <em>Intermediate</em> (terse, for fluent readers)</li>
+      <li><strong>Sunday weekly digest by email</strong> &mdash; the week behind + the week ahead, one-click unsubscribe</li>
       <li class="tier-card__excluded">Portfolio import &amp; analysis</li>
       <li class="tier-card__excluded">Encrypted cloud sync</li>
+      <li class="tier-card__excluded">Daily email digest</li>
     </ul>
     <div class="tier-card__cta">
       {% if cu and (cu.user or cu.is_admin) %}
@@ -44,11 +46,11 @@
     <div class="tier-card__price-hint">Checkout opens with our payments rollout.</div>
     <ul>
       <li>Everything in Free</li>
-      <li><strong>News aggregator &mdash; full 24 hours</strong></li>
-      <li>Portfolio import (Trading 212 CSV)</li>
-      <li>AI commentary on diversification, sector and currency concentration, and macro-regime context for the holdings you upload</li>
-      <li>Optional encrypted cloud sync across devices</li>
-      <li><strong>Daily email digest</strong> (Mon&ndash;Sat) plus the Sunday recap</li>
+      <li><strong>News aggregator &mdash; full 24 hours</strong> (vs. 6 hours on Free)</li>
+      <li><strong>Daily email digest</strong> (Mon&ndash;Sat) &mdash; a ~600-word read of the session ahead, in addition to the Sunday recap</li>
+      <li>Portfolio import from a Trading 212 CSV</li>
+      <li>AI commentary on diversification, sector and currency concentration, and macro-regime fit for the holdings you upload</li>
+      <li>Optional encrypted cloud sync &mdash; PIN-derived encryption in your browser, second-layer wrap on the server, no plaintext holdings server-side</li>
     </ul>
     <div class="tier-card__cta">
       {% if cu and (cu.user or cu.is_admin) %}
@@ -67,6 +69,15 @@
 
 </section>
 
+<section class="public-section">
+  <p style="font-size: 13px; color: var(--muted);">
+    <strong>Invite a friend.</strong> Every account gets a personal
+    invite link from the Settings page. When friends sign up through
+    it, we credit you toward the paid tier &mdash; the credit ledger
+    is live; the rate kicks in with the payments rollout.
+  </p>
+</section>
+
 <section class="public-section">
   <h2 class="public-section__head">How the data is handled</h2>
   <p>