feat(pipeline): 9→7 stage refactor + v1.1 hardening wave

Replaces the legacy 9-stage pipeline with 7 canonical stages
(enquiry → qualified → eoi → reservation → deposit_paid → contract →
nurturing) plus three doc sub-status columns (eoi_doc_status,
reservation_doc_status, contract_doc_status) that track sent/signed
within a single stage instead of branching it.

Schema (migration 0062):
- interests gains assigned_to, deposit_expected_amount/currency,
  three doc-status columns, two documenso-id columns, and
  date_reservation_signed.
- New tables: qualification_criteria (per-port admin-configurable),
  interest_qualifications (per-interest state), payments (deposit /
  balance / refund records keyed to interest + client).
- Default qualification criteria seeded for every existing port.
- Dummy-data UPDATEs collapse Sent/Signed pairs and 'completed' into
  the new stage + doc-status + outcome shape.

Migration 0063 adds interest_contact_log.voice_transcript and
template_used columns for v1.1-A/B (quick-template buttons + voice
transcription via Web Speech API).

v1.1 phase work bundled here:
- A/B: Quick-template buttons (Call / Visit / Email) + mic toggle on
       the contact-log compose dialog (useVoiceTranscription hook).
- C:   berth-rules-engine wraps state writes in pg_advisory_xact_lock
       with an idempotent re-read; emits rule_evaluated audit traces.
- D:   Documenso webhook: reservation/contract sub-status stamping
       moved out of the PDF-download try-block so a download failure
       no longer swallows the stamp. New integration test coverage.
- E:   /admin/qualification-criteria CRUD page + admin component.
- F:   default_new_interest_owner exposed in System Settings.
- G:   recentActivityCount + active_engagement deal-pulse signal
       surfaced as a chip on interests + hot-deals card.
- H:   interest_assigned notification on assignedTo change (skips
       self-assign, uses a dedupe key).

Plus the supporting components: AssignedToChip, DealPulseChip,
PaymentsSection, QualificationChecklist, MultiEoiChip,
SkipAheadBanner, WonStatusPanel, InterestBerthStatusBanner,
SupplementalInfoRequestButton, UserPicker.

Tests: 1370/1370 vitest pass (added deal-health unit suite +
expanded constants/validators/pipeline-transitions coverage). tsc
clean, eslint clean.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

src/components/reminders/reminder-form.tsx

@@ -160,28 +160,36 @@ function ReminderFormBody({
     <Sheet open={open} onOpenChange={onOpenChange}>
       <SheetContent className="overflow-y-auto">
         <SheetHeader>
-          <SheetTitle>{isEdit ? 'Edit Reminder' : 'New Reminder'}</SheetTitle>
+          <SheetTitle>{isEdit ? 'Edit reminder' : 'New reminder'}</SheetTitle>
+          <p className="text-sm text-muted-foreground mt-2">
+            Reminders are personal nudges — a follow-up call, a note to yourself, or something a
+            teammate needs to action by a date. They show up in your dashboard, the daily digest
+            email, and on whichever client / interest / berth you link them to.
+          </p>
         </SheetHeader>
 
         <form onSubmit={handleSubmit} className="mt-6 space-y-4">
           <div className="space-y-2">
-            <Label htmlFor="reminder-title">Title</Label>
+            <Label htmlFor="reminder-title">What&apos;s the reminder for?</Label>
             <Input
               id="reminder-title"
               value={title}
               onChange={(e) => setTitle(e.target.value)}
-              placeholder="Follow up with client..."
+              placeholder="e.g. Follow up about EOI, Check insurance docs"
               required
             />
+            <p className="text-[11px] text-muted-foreground">
+              Short label so future-you knows what this is at a glance.
+            </p>
           </div>
 
           <div className="space-y-2">
-            <Label htmlFor="reminder-note">Note</Label>
+            <Label htmlFor="reminder-note">Note (optional)</Label>
             <Textarea
               id="reminder-note"
               value={note}
               onChange={(e) => setNote(e.target.value)}
-              placeholder="Additional details..."
+              placeholder="Anything else you want to remember when this fires…"
               rows={3}
             />
           </div>
@@ -241,10 +249,13 @@ function ReminderFormBody({
           )}
 
           <div className="space-y-2">
-            <Label className="text-xs text-muted-foreground">Link to entity (optional)</Label>
+            <Label className="text-xs text-muted-foreground">Attach to client / deal / berth</Label>
             <p className="text-[11px] text-muted-foreground">
-              Pick a client first to scope the interest and berth dropdowns to that client&apos;s
-              deals.
+              Linking a reminder pins it onto that record so anyone who opens the page sees it on
+              the Reminders tab. Useful for &ldquo;chase this client for signed EOI&rdquo;,
+              &ldquo;recheck B12 power capacity before contract&rdquo;, etc. Pick a client first to
+              scope the interest and berth dropdowns to that client&apos;s deals. Leaving these
+              blank keeps the reminder private to you on your dashboard only.
             </p>
             <div className="grid grid-cols-1 gap-2">
               <ClientPicker