Insurance module: policy browser (list/search/detail) + renewals view

Plan step 4. Adds the policies API and the Spanish-first /polizas pages on
top of the customer records the customer module already exposes.

API (apps/api/src/policies):
- GET /policies — search over policy number, customer name, agent, vehicle
  license plate, insured-driver name and legacy id; filters for vigencia
  bucket, ramo, aseguradora and liquidation state; five sort orders.
- GET /policies/stats — bucket counts plus premium in force split by
  currency (MXN and USD can't be summed).
- GET /policies/facets — ramos/aseguradoras with counts for the dropdowns.
- GET /policies/:id — full policy plus the owning customer.

Vigencia is derived from policyTo as active/expiring/expired/undated.
"undated" is a real bucket rather than an error case: 528 of the 2378
migrated policies carry no end date at all.

Web:
- /polizas — renewals-first browser; the stat cells double as vigencia
  filters, with a secondary row for ramo, aseguradora and sort order.
- /polizas/[id] — vigencia hero, condiciones y primas, pagos, vehículos,
  asegurados/beneficiarios, siniestros, the verbatim legacy coverage
  columns, and documents.
- Nav gains Clientes | Pólizas with a real active state, and the two
  modules cross-link in both directions.

Also fixes a display bug on the customer detail page: it headlined
policies.total, which is dead data — only 2 of 2378 rows are non-zero
(1585 are literally 0, 791 null), and one of those two is lower than its
own net premium. That rendered "$0.00 Total" on 1585 policies. Premium
headlines and the premium sort now use netPremium (2377/2378 populated);
total is shown only where it is non-zero, as raw source data.

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

apps/web/src/app/clientes/[id]/page.tsx

@@ -8,6 +8,7 @@ import {
   domainLabel,
   formatDate,
   formatMoney,
+  premiumHeadline,
   serviceKindGlyph,
   serviceKindLabel,
   SIN_NOMBRE,
@@ -409,14 +410,15 @@ function PolizasSection({ policies }: { policies: Policy[] }) {
 }
 
 function PolicyCard({ p }: { p: Policy }) {
-  const headline = p.total ?? p.netPremium;
-  const headlineLabel = p.total ? "Total" : "Prima neta";
+  const { value: headline, label: headlineLabel } = premiumHeadline(p);
 
   return (
     <div className="policy-card">
       <div className="policy-head">
         <div>
-          <div className="policy-num">{p.policyNumber || "—"}</div>
+          <Link href={`/polizas/${p.id}`} className="policy-num policy-num-link">
+            {p.policyNumber || "—"} →
+          </Link>
           <div className="policy-type-row">
             {p.policyType?.name && (
               <span className="badge badge-seguros">
@@ -454,11 +456,6 @@ function PolicyCard({ p }: { p: Policy }) {
             {formatMoney(headline, p.currency)}
           </div>
           <div className="policy-total-label">{headlineLabel}</div>
-          {p.total && p.netPremium && (
-            <div className="muted" style={{ fontSize: 12, marginTop: 4 }}>
-              Prima neta {formatMoney(p.netPremium, p.currency)}
-            </div>
-          )}
         </div>
       </div>