feat(post-audit): Phase 3 EOI overrides + 3c spawn + 3d promote + Phase 4 worker

Phase 3b — EOI dialog field overrides:
- New EoiOverridesInput shape (clientEmail / clientPhone / yachtName)
  threaded through generate-and-sign validator + both pathways
  (in-app pdf-lib fill, Documenso template generate).
- src/lib/services/eoi-overrides.service.ts applies side-effects in one
  transaction: useOnlyForThisEoi writes documents.override_* and stops;
  setAsDefault demotes the prior primary + promotes (existing contactId)
  or inserts + promotes (fresh value); neither flag inserts a non-primary
  client_contacts row for future dropdown reuse.
- Document override columns persisted post-insert, with a 1-minute
  source_document_id backfill on freshly inserted contact rows.
- eoi-context route returns available.{emails, phones} so the dialog
  can render combobox options.
- <OverridableContactField> in eoi-generate-dialog.tsx renders the
  combobox + manual input + 2 checkboxes per field with mutually
  exclusive intent semantics.

Phase 3c — yacht spawn from EOI dialog:
- YachtForm gains createExtras + onCreated callbacks; the EOI dialog
  opens it as a nested Sheet pre-filled with the linked client as owner.
  On save the new yacht is stamped source='eoi-generated' and the
  interest is PATCHed with the new yachtId so the EOI context reflows.

Phase 3d — promote-to-primary + audit + [EOI] badge:
- POST /api/v1/clients/:id/contacts/:contactId/promote-to-primary
  (transactional demote+promote via promoteContactToPrimary).
- src/lib/audit.ts AuditAction type adds eoi_field_override,
  promote_to_primary, eoi_spawn_yacht (DB column is free-text).
- ContactsEditor surfaces an [EOI] badge on non-primary rows where
  source='eoi-custom-input'.

Phase 4 — worker + TOD picker:
- processOverdueReminders refactored to UPDATE...RETURNING with a
  fired_at IS NULL gate so parallel workers can't double-fire. Uses
  the idx_reminders_due_unfired partial index from migration 0072.
- /settings gets a "Default reminder time" time-of-day picker; the
  value lands in user_profiles.preferences.digestTimeOfDay (validated
  HH:MM at the route). <ReminderForm> seeds its dueAt from this
  preference via a React-Query me-prefs fetch.

Phase 6 hardening:
- IMAP bounce poller strips whitespace from IMAP_PASS so a copy-paste
  of Google Workspace's 16-char App Password formatted as
  "abcd efgh ijkl mnop" still authenticates. Workspace activation
  procedure documented in MASTER-PLAN §Phase 6 (was previously written
  to CLAUDE.md, which was bloat — moved to the plan).

Quality gates: 1374/1374 vitest, tsc clean, lint 0 errors.

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

src/app/api/v1/me/route.ts

@@ -65,6 +65,14 @@ const updateProfileSchema = z.object({
             .strict(),
         )
         .optional(),
+      // Phase 4 — per-user default reminder firing time-of-day. HH:MM in
+      // 24h local clock (validated below). Per-reminder dueAt overrides
+      // this; this is only the dialog's default when the rep doesn't
+      // pick an explicit time. Server clamps to '00:00'–'23:59'.
+      digestTimeOfDay: z
+        .string()
+        .regex(/^([01]\d|2[0-3]):[0-5]\d$/, 'use HH:MM 24-hour format')
+        .optional(),
     })
     .strict()
     .optional(),
@@ -161,6 +169,8 @@ export const PATCH = withAuth(async (req, ctx: AuthContext) => {
         'timezone',
         'tablePreferences',
         'defaultPortId',
+        // Phase 4 — reminder default firing time.
+        'digestTimeOfDay',
       ]);
       const existing = (profile.preferences as Record<string, unknown>) ?? {};
       const merged = Object.fromEntries(