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/components/reminders/reminder-form.tsx

@@ -85,6 +85,20 @@ function ReminderFormBody({
   onSuccess,
 }: ReminderFormProps) {
   const isEdit = !!reminder;
+  // Phase 4 — load the rep's preferred default-reminder time (HH:MM)
+  // BEFORE seeding the dueAt state. React Query's cache keeps this
+  // available synchronously on subsequent dialog opens (staleTime 60s)
+  // so the initial value is the rep's preference, not the historical
+  // 09:00 fallback. Enabled only on create-mode opens — edit mode
+  // already has the existing dueAt to seed from.
+  const meQuery = useQuery<{ data: { preferences?: { digestTimeOfDay?: string } } }>({
+    queryKey: ['me', 'preferences'],
+    queryFn: () => apiFetch('/api/v1/me'),
+    enabled: open && !reminder,
+    staleTime: 60_000,
+  });
+  const userTodPref = meQuery.data?.data.preferences?.digestTimeOfDay ?? null;
+
   // Tomorrow 9am default for new-reminder dueAt.
   //
   // <input type="datetime-local"> takes/produces LOCAL wall-clock time
@@ -97,9 +111,20 @@ function ReminderFormBody({
   const defaultDueAt = useMemo(() => {
     const t = new Date();
     t.setDate(t.getDate() + 1);
-    t.setHours(9, 0, 0, 0);
+    // Honour the rep's user_profiles.preferences.digestTimeOfDay when
+    // set ("HH:MM"). Falls back to 09:00 — historical default.
+    let h = 9;
+    let m = 0;
+    if (userTodPref && /^\d{2}:\d{2}$/.test(userTodPref)) {
+      const [hh = '09', mm = '00'] = userTodPref.split(':');
+      const parsedH = Number.parseInt(hh, 10);
+      const parsedM = Number.parseInt(mm, 10);
+      if (Number.isFinite(parsedH) && parsedH >= 0 && parsedH <= 23) h = parsedH;
+      if (Number.isFinite(parsedM) && parsedM >= 0 && parsedM <= 59) m = parsedM;
+    }
+    t.setHours(h, m, 0, 0);
     return toLocalDatetimeLocal(t);
-  }, []);
+  }, [userTodPref]);
   const [title, setTitle] = useState(reminder?.title ?? '');
   const [note, setNote] = useState(reminder?.note ?? '');
   const [dueAt, setDueAt] = useState(