refactor(settings): redesign BotConfigPanel + fix paper mode + clarify all copy

BotConfigPanel (full rewrite, 1113→858 lines):
- Remove 3-tab layout; replace with two expandable cards (Trump Signal /
  Macro Vibes) + collapsed Advanced block — fewer decisions, less noise
- Fix paper mode bug: UserResponse now returns paper_mode; BotConfigPanel
  tracks it in state; missingItems skips HL key requirement for paper users;
  HL key card shows paper status instead of empty input
- Add "Switch to live →" upgrade path — calls /subscribe with paper_mode=false
  so paper users can promote without re-subscribing from scratch
- Add confirmSign before manual override window (consistent with all other
  mutations); rename "Arm/Disarm" → "Override/Cancel override" throughout
- Fix all ambiguous copy: subscribe card, Macro Vibes description (manual
  /adopt flow, not auto-manage), missingItems strings, TP/SL "Not saved yet"
  → "Required — not saved", "Daily spend cap" → "Daily trading cap",
  "Active schedule" → "Trading schedule", "Get started" confirmSign labels

lib/api.ts:
- Add paper_mode: boolean to UserData interface (was missing)

OpenPositions:
- "Load your settings once…" → "Sign in once to view open positions" (removes
  implementation-detail explanation)
- "Today realised" → "Today's realized"; "banked" → "locked in" throughout
- "The bot will appear here" → "When the bot opens a trade, it will show up here"

SystemControl:
- "Net result" → "Current status"

settings/SettingsClient.tsx:
- id="btc-settings" → id="macro-settings" (stale rename)

Co-Authored-By: Claude Sonnet 4.5 <noreply@anthropic.com>

lib/api.ts

@@ -96,6 +96,10 @@ export interface UserSettings {
   sys2_mode?: 'standard' | 'aggressive' | null
   active_from: string | null   // ISO UTC
   active_until: string | null  // ISO UTC
+  /** Master on/off switches for each module. false = module is disabled;
+   *  bot ignores all signals for that module even if subscribed. */
+  trump_enabled?: boolean | null
+  macro_enabled?: boolean | null
 }
 
 export interface UserData {
@@ -104,6 +108,7 @@ export interface UserData {
   subscribed_at: string | null
   hl_api_key_set: boolean
   hl_api_key_masked: string | null
+  paper_mode: boolean
   trades: BotTrade[]
   settings: UserSettings
   /** ISO-UTC timestamp until which the bot is manually armed (null = use schedule). */