fix(onboarding): apply the three review follow-ups on the stack head

- Guide: drop the internal provenance (author, date, issue number) from the
  BMO status line in the three copies (fr.json, en.json, guide-utilisateur.md).
  The status now only says the procedure is reconstructed and unconfirmed.
- Dashboard: gate `showCompactChecklist` on `budgetReady` so a Base+ profile
  with the five other items done no longer sees the compact list vanish (5/5
  under the fail-closed entitlement) and reappear (5/6) once the licence
  resolves.
- Test: pin TZ=America/Toronto around the `formatLocalDate` tests and assert
  that `toISOString()` disagrees, so a UTC regression is caught on the UTC CI
  runner too (measured: the mutation passed 7/7 under TZ=UTC before, fails now).

Follow-ups raised by the independent reviews of PRs #381, #378 and #382.

Co-Authored-By: Claude Fable 5.1 <noreply@anthropic.com>

docs/guide-utilisateur.md

@@ -183,7 +183,7 @@ Les cartes de crédit n'offrent qu'environ trois mois d'historique.
 
 #### BMO
 
-*Procédure reconstituée (fournie par Max le 2026-10-03, d'après une description générale), à confirmer sur un compte réel ; format de fichier non encore reconnu (#371)*
+*Procédure reconstituée d'après une description générale, à confirmer sur un compte réel ; format de fichier non encore reconnu*
 
 1. Connectez-vous aux Services bancaires en ligne BMO sur bmo.com (le site, pas l'application)
 2. Dans le sommaire, cliquez sur le compte voulu (chèques, épargne ou Mastercard)

src/hooks/useImportWizard.test.ts

@@ -8,7 +8,7 @@
 // dispatches), and never touched by an error — which also leaves the scanned
 // sources exactly as they were. Plus the local-date helper handed to Rust.
 
-import { describe, it, expect, vi } from "vitest";
+import { describe, it, expect, vi, beforeAll, afterAll } from "vitest";
 
 // The hook module imports the import services (→ db → tauri plugins). Stub the
 // connection so importing the module never touches a real database.
@@ -111,11 +111,23 @@ describe("wizardReducer — sampleCreated (#356)", () => {
 });
 
 describe("formatLocalDate (#356)", () => {
+  // Pin a timezone west of Greenwich: under TZ=UTC (the CI runner) local and
+  // UTC dates coincide, so a `toISOString()` regression would pass unnoticed.
+  const originalTz = process.env.TZ;
+  beforeAll(() => {
+    process.env.TZ = "America/Toronto";
+  });
+  afterAll(() => {
+    if (originalTz === undefined) delete process.env.TZ;
+    else process.env.TZ = originalTz;
+  });
+
   it("formats the LOCAL calendar date, zero-padded", () => {
     // Built from local components, so the expectation holds in every timezone —
     // unlike `toISOString()`, which would shift this evening date to the 6th
-    // east of Greenwich and to the 4th west of it.
+    // in Toronto (04:30Z the next day).
     expect(formatLocalDate(new Date(2026, 0, 5, 23, 30))).toBe("2026-01-05");
+    expect(new Date(2026, 0, 5, 23, 30).toISOString().slice(0, 10)).not.toBe("2026-01-05");
     expect(formatLocalDate(new Date(2026, 11, 31, 0, 0))).toBe("2026-12-31");
   });
 });

src/i18n/locales/en.json

@@ -996,7 +996,7 @@
         {
           "id": "import-bmo",
           "title": "BMO",
-          "status": "Procedure reconstructed (provided by Max on 2026-10-03 from a general description), to be confirmed on a real account; file format not recognised yet (#371)",
+          "status": "Procedure reconstructed from a general description, to be confirmed on a real account; file format not recognised yet",
           "steps": [
             "Sign in to BMO Online Banking at bmo.com (the website, not the app)",
             "In the summary, click the account you want (chequing, savings or Mastercard)",

src/i18n/locales/fr.json

@@ -996,7 +996,7 @@
         {
           "id": "import-bmo",
           "title": "BMO",
-          "status": "Procédure reconstituée (fournie par Max le 2026-10-03, d'après une description générale), à confirmer sur un compte réel ; format de fichier non encore reconnu (#371)",
+          "status": "Procédure reconstituée d'après une description générale, à confirmer sur un compte réel ; format de fichier non encore reconnu",
           "steps": [
             "Connectez-vous aux Services bancaires en ligne BMO sur bmo.com (le site, pas l'application)",
             "Dans le sommaire, cliquez sur le compte voulu (chèques, épargne ou Mastercard)",

src/pages/DashboardPage.tsx

@@ -109,7 +109,11 @@ export default function DashboardPage() {
     );
   }
 
-  const showCompactChecklist = checklistReady && !onboarding.hidden && !checklist.complete;
+  // `complete` is computed with the fail-closed entitlement (Budget locked → 5/5)
+  // until the licence resolves; gate on `budgetReady` so a Base+ profile with the
+  // five other items done does not see the list vanish, then reappear as 5/6.
+  const showCompactChecklist =
+    checklistReady && !onboarding.hidden && !(onboarding.budgetReady && checklist.complete);
 
   return (
     <div className={isLoading ? "opacity-50 pointer-events-none" : ""}>