feat(policies): full CRUD + child editors + insurance lookups (plan phase 3)

Policy header, all five child collections, and the insurance reference
catalogs become create/edit/delete-able on the RBAC foundation.

API:
- Policy gains archivedAt (soft-delete); list/browser default to
  archivedAt=null with ?includeArchived opt-in.
- PoliciesService: header create/update/archive/restore (customer FK
  validated for a clean 404); add/update/remove for installments,
  vehicles, drivers, beneficiaries, claims — each scoped to its policy so
  one policy's id can't touch another's rows; lookups CRUD for providers,
  policy types, adjusters.
- PoliciesController write routes: header create/update need STAFF+
  (policy:create/update), archive/restore need MANAGER+ (policy:delete),
  every child route needs policy:update. New LookupsController at /lookups
  (read open; mutate needs lookup:manage / MANAGER+). Mutations audited.
- DTOs (policy header, children, lookups); dates coerced; shared coerce.ts.

Web:
- Generic ChildCollection editor (config-driven add/edit/remove table),
  reused by both the policy detail child editors and the catalogs screen.
- PolicyForm (header) with type/provider selects and a debounced
  CustomerPicker; /polizas/nuevo (accepts ?customerId prefill) and
  /polizas/[id]/editar. Policy detail: gated action bar (Editar/Archivar)
  + "Administrar detalles" child editors for all five collections.
- /catalogos admin screen (aseguradoras/tipos/ajustadores), nav-gated on
  lookup:manage. "Nueva póliza" buttons on the list and on the customer
  detail (prefilled). api.ts + types for all of the above.

Verified against dev: policy create (dates coerced, archivedAt null),
installment/vehicle add, VIEWER child-add 403, cross-policy child guard
404, lookups CRUD with VIEWER 403 / MANAGER 201, archive drops from the
default list and includeArchived surfaces it. Both apps compile clean.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

apps/web/src/components/AppShell.tsx

@@ -20,6 +20,7 @@ const NAV: { href: string; label: string; ability?: Ability }[] = [
   { href: "/polizas", label: "Pólizas" },
   { href: "/estado-cuenta", label: "Estado de cuenta" },
   { href: "/banco", label: "Chequera" },
+  { href: "/catalogos", label: "Catálogos", ability: "lookup:manage" },
   { href: "/usuarios", label: "Usuarios", ability: "user:manage" },
 ];