Add Chatwoot support widget and AI API setup documentation

- Insert Chatwoot chat widget script at bottom of index.html body
  (connects to chat.hoaledgeriq.com with token 1QMW1fycL5xHvd6XMfg4Dbb4)
- Add AI_SETUP.md documenting how to upgrade the benefit calculator
  from client-side math to live AI API calls (Claude or OpenAI),
  including endpoint code, app.js changes, prompt tuning, cost
  estimates, and rate limiting guidance

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

index.html

@@ -530,5 +530,22 @@
   </div>
 
   <script src="app.js"></script>
+
+  <!-- Support Chat Widget -->
+  <script>
+    (function(d,t) {
+      var BASE_URL="https://chat.hoaledgeriq.com";
+      var g=d.createElement(t),s=d.getElementsByTagName(t)[0];
+      g.src=BASE_URL+"/packs/js/sdk.js";
+      g.async = true;
+      s.parentNode.insertBefore(g,s);
+      g.onload=function(){
+        window.chatwootSDK.run({
+          websiteToken: '1QMW1fycL5xHvd6XMfg4Dbb4',
+          baseUrl: BASE_URL
+        })
+      }
+    })(document,"script");
+  </script>
 </body>
 </html>