feat: major app overhaul — API fixes, glassmorphism UI, health dashboard, notifications

API Integration:
- Fix logHabit: send "date" instead of "completed_at"
- Fix FinanceCategory: "icon" → "emoji" to match API
- Fix task priorities: remove level 4, keep 1-3 matching API
- Fix habit frequencies: map monthly/interval → "custom" for API
- Add token refresh (401 → auto retry with new token)
- Add proper error handling (remove try? in save functions, show errors in UI)
- Add date field to savings transactions
- Add MonthlyPaymentDetail and OverduePayment models
- Fix habit completedToday: compute on client from logs (API doesn't return it)
- Filter habits by day of week on client (daily/weekly/monthly/interval)

Design System (glassmorphism):
- New DesignSystem.swift: Theme colors, GlassCard modifier, GlowIcon, GlowStatCard
- Custom tab bar with per-tab glow colors (VStack layout, not ZStack overlay)
- Deep dark background #06060f across all views
- Glass cards with gradient fill + stroke throughout app
- App icon: glassmorphism style with teal glow

Health Dashboard:
- Compact ReadinessBanner with recommendation text
- 8 metric tiles: sleep, HR, HRV, steps, SpO2, respiratory rate, energy, distance
- Each tile with status indicator (good/ok/bad) and hint text
- Heart rate card (min/avg/max)
- Weekly trends card (averages)
- Recovery score (weighted: 40% sleep, 35% HRV, 25% RHR)
- Tips card with actionable recommendations
- Sleep detail view with hypnogram (step chart of phases)
- Sleep segments timeline from HealthKit (deep/rem/core/awake with exact times)
- Line chart replacing bar chart for weekly data
- Collect respiratory_rate and sleep phases with timestamps from HealthKit
- Background sync every ~30min via BGProcessingTask

Notifications:
- NotificationService for local push notifications
- Morning/evening reminders with native DatePicker (wheel)
- Payment reminders: 5 days, 1 day, and day-of for recurring savings
- Notification settings in Settings tab

UI Fixes:
- Fix color picker overflow: HStack → LazyVGrid 5 columns
- Fix sheet headers: shorter text, proper padding
- Fix task/habit toggle: separate tap zones (checkbox vs edit)
- Fix deprecated onChange syntax for iOS 17+
- Savings overview: real monthly payments and detailed overdues from API
- Settings: timezone as Menu picker, removed Telegram/server notifications sections
- All sheets use .presentationDetents([.large])

Config:
- project.yml: real DEVELOPMENT_TEAM, HealthKit + BackgroundModes capabilities
- Info.plist: BGTaskScheduler + UIBackgroundModes
- Assets.xcassets with AppIcon
- CLAUDE.md project documentation

Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>

PulseHealth/Models/SavingsModels.swift

@@ -107,8 +107,10 @@ struct SavingsStats: Codable {
     var totalWithdrawals: Double?
     var categoriesCount: Int?
     var monthlyPayments: Double?
+    var monthlyPaymentDetails: [MonthlyPaymentDetail]?
     var overdueAmount: Double?
     var overdueCount: Int?
+    var overdues: [OverduePayment]?
 
     enum CodingKeys: String, CodingKey {
         case totalBalance = "total_balance"
@@ -116,8 +118,47 @@ struct SavingsStats: Codable {
         case totalWithdrawals = "total_withdrawals"
         case categoriesCount = "categories_count"
         case monthlyPayments = "monthly_payments"
+        case monthlyPaymentDetails = "monthly_payment_details"
         case overdueAmount = "overdue_amount"
         case overdueCount = "overdue_count"
+        case overdues
+    }
+}
+
+struct MonthlyPaymentDetail: Codable, Identifiable {
+    var id: Int { categoryId }
+    var categoryId: Int
+    var categoryName: String
+    var amount: Double
+    var day: Int
+
+    enum CodingKeys: String, CodingKey {
+        case categoryId = "category_id"
+        case categoryName = "category_name"
+        case amount, day
+    }
+}
+
+struct OverduePayment: Codable, Identifiable {
+    var id: String { "\(categoryId)-\(month)" }
+    var categoryId: Int
+    var categoryName: String
+    var userId: Int?
+    var userName: String?
+    var amount: Double
+    var dueDay: Int
+    var daysOverdue: Int
+    var month: String
+
+    enum CodingKeys: String, CodingKey {
+        case categoryId = "category_id"
+        case categoryName = "category_name"
+        case userId = "user_id"
+        case userName = "user_name"
+        case amount
+        case dueDay = "due_day"
+        case daysOverdue = "days_overdue"
+        case month
     }
 }
 
@@ -133,3 +174,35 @@ struct CreateSavingsTransactionRequest: Codable {
         case categoryId = "category_id"
     }
 }
+
+// MARK: - SavingsRecurringPlan
+
+struct SavingsRecurringPlan: Codable, Identifiable {
+    let id: Int
+    var categoryId: Int?
+    var userId: Int?
+    var effective: String?
+    var amount: Double
+    var day: Int?
+    var createdAt: String?
+
+    enum CodingKeys: String, CodingKey {
+        case id, amount, day
+        case categoryId = "category_id"
+        case userId = "user_id"
+        case effective
+        case createdAt = "created_at"
+    }
+}
+
+struct CreateRecurringPlanRequest: Codable {
+    var effective: String
+    var amount: Double
+    var day: Int?
+}
+
+struct UpdateRecurringPlanRequest: Codable {
+    var effective: String?
+    var amount: Double?
+    var day: Int?
+}