feat: dashboard overhaul, chargeability reports, dispo import enhancements, UI polish

Dashboard: expanded chargeability widget, resource/project table widgets
with sorting and filters, stat cards with formatMoney integration.

Chargeability: new report client with filtering, chargeability-bookings
use case, updated dashboard overview logic.

Dispo import: TBD project handling, parse-dispo-matrix improvements,
stage-dispo-projects resource value scores, new tests.

Estimates: CommercialTermsEditor component, commercial-terms engine
module, expanded estimate schemas and types.

UI: AppShell navigation updates, timeline filter/toolbar enhancements,
role management improvements, signin page redesign, Tailwind/globals
polish, SystemSettings SMTP section, anonymization support.

Tests: new router tests (anonymization, chargeability, effort-rule,
entitlement, estimate, experience-multiplier, notification, resource,
staffing, vacation).

Co-Authored-By: claude-flow <ruv@ruv.net>

docs/product-roadmap.md

@@ -34,7 +34,7 @@ The following items were proposed in older markdown files and are already implem
 
 | Workstream | Status | Why It Is Still Open | Recommended Next Step |
 |---|---|---|---|
-| Estimating system | `In progress` | Full CRUD, versioning, export, planning handoff, clone/template, rate cards per client, and richer version comparison (scope item diffs, resource snapshot diffs, chapter subtotals, margin %). Remaining gaps: scope-to-effort rule engine, experience multipliers, weekly phasing, structured commercial terms. | Scope-to-effort rule engine for auto-expanding scope items into demand lines per discipline. |
+| Estimating system | `Complete` | Full CRUD, versioning, export, planning handoff, clone/template, rate cards per client, richer version comparison, scope-to-effort rule engine, experience multipliers & shoring ratios, weekly phasing (4Dispo grid), and structured commercial terms. | — |
 | Demand vs assignment split | `Complete` | Legacy `Allocation` table dropped. `legacyAllocationId` columns removed. Migration tooling deleted. Compatibility facades renamed to clean domain names (`updateAllocationEntry`, `deleteAllocationEntry`, `fillOpenDemand`, `loadAllocationEntry`). `isPlaceholder` is a derived read-model property. No legacy compatibility naming remains. | — |
 | Widget platform refactor | `Implemented` | Widget config typing, layout normalization, registry-driven rendering, and dashboard query extraction now live behind shared/application contracts instead of ad hoc router logic. | Keep future widgets on the same registry + application-use-case pattern. |
 | Package-level regression tests | `Expanded` | Shared schema validation (rate-card, allocation, estimate — 32 tests), engine vacation/recurrence (29 tests), staffing capacity-analyzer (12 tests), plus existing application and dashboard tests. | Continue adding API-level integration tests for remaining router procedures. |
@@ -81,6 +81,10 @@ Current state:
   - rate cards per client with admin management UI
   - richer version comparison engine: per-item scope diffs with field-level change detection, resource snapshot rate/location diffs, chapter-grouped subtotals sorted by cost impact, margin % delta
   - version comparison UI: scope item detail table, resource rate diff table, chapter subtotals section, margin summary card
+  - scope-to-effort rule engine: admin CRUD for rule sets (per_frame/per_item/flat unit modes), estimate workspace preview + apply with replace/append mode, engine with 16 tests
+  - experience multipliers & shoring ratios: hierarchical specificity matching (chapter/location/level), rate multipliers, shoring ratio + additional effort factor, admin CRUD, estimate workspace preview + apply, engine with 23 tests
+  - weekly phasing (4Dispo grid): ISO week-based phasing with even/front-loaded/back-loaded patterns, chapter aggregation view, heat-map coloring, estimate workspace phasing tab, engine with 30 tests
+  - structured commercial terms: pricing model (fixed/T&M/hybrid), contingency %, discount %, payment term days, warranty months, payment milestones with validation and amount computation, integrated into financials tab, engine with 19 tests
 
 ### 2. Refactor the planning core before v2 migration