feat(intelligence): expose DeductionPanel on web as PRO feature (#2385)

* feat(intelligence): expose DeductionPanel on web as PRO feature

Previously desktop-only (isDesktopApp guard). Now available on web
with premium: 'locked' gating — free users see lock + PRO badge,
PRO users get full access.

4-layer checklist applied:
- Layer 1: added 'deduction' to ALL_PANELS with premium: 'locked'
- Layer 2: added 'deduction' to apiKeyPanels in isPanelEntitled
- Layer 3: added /api/intelligence/v1/deduct-situation to PREMIUM_RPC_PATHS
- Layer 4: removed isDesktopApp guard (SITE_VARIANT === 'full' only)
- Bonus: removed now-redundant deduction exclusion from dev panel warning

* docs: add analytical frameworks review findings plan

* docs: fix markdownlint blank line before list in plan

* fix(panel-layout): replay settings for async deduction panel

The web-only DeductionPanel mounts after the initial startup pass, so saved disabled state was never replayed on reload.

Reapply panel settings after the async mount and add a guardrail test to keep the lazy panel path aligned with the rest of the layout.

* fix(intelligence): add deduction to WEB_PREMIUM_PANELS, replay updatePanelGating after async mount, fix stale test comment

---------

Co-authored-by: lspassos1 <lspassos@icloud.com>

tests/panel-config-guardrails.test.mjs

@@ -39,7 +39,7 @@ describe('panel-config guardrails', () => {
 
     const allowedContexts = [
       /this\.ctx\.panels\[key\]\s*=/,             // createPanel helper
-      /this\.ctx\.panels\['deduction'\]/,          // desktop-only, intentionally ungated
+      /this\.ctx\.panels\['deduction'\]/,          // async-mounted PRO panel — gated via WEB_PREMIUM_PANELS
       /this\.ctx\.panels\['runtime-config'\]/,     // desktop-only, intentionally ungated
       /this\.ctx\.panels\['live-news'\]/,          // mountLiveNewsIfReady — has its own channel guard
       /panel as unknown as/,                       // lazyPanel generic cast
@@ -73,6 +73,19 @@ describe('panel-config guardrails', () => {
     );
   });
 
+  it('reapplies panel settings after mounting the async deduction panel', () => {
+    const deductionMount = panelLayoutSrc.match(
+      /import\('@\/components\/DeductionPanel'\)\.then\(\(\{ DeductionPanel \}\) => \{([\s\S]*?)\n\s*\}\);/
+    );
+
+    assert.ok(deductionMount, 'expected async DeductionPanel mount block in panel-layout.ts');
+    assert.match(
+      deductionMount[1],
+      /this\.applyPanelSettings\(\);/,
+      'async DeductionPanel mount must replay saved panel settings after insertion',
+    );
+  });
+
   it('panel keys are consistent across variant configs (no typos)', () => {
     const allKeys = new Map();
     for (const v of VARIANT_FILES) {