feat: reliability enhancements for AI services and capital planning

1. Health Scores — separate operating/reserve refresh
   - Added POST /health-scores/calculate/operating and /calculate/reserve
   - Each health card now has its own Refresh button
   - On failure, shows cached (last good) data with "last analysis failed"
     watermark instead of blank "Error calculating score"
   - Backend getLatestScores returns latest complete score + failure flag

2. Investment Planning — increased AI timeout to 5 minutes
   - Backend callAI timeout: 180s → 300s
   - Frontend axios timeout: set explicitly to 300s (was browser default)
   - Host nginx proxy_read_timeout: 180s → 300s
   - Loading message updated to reflect longer wait times

3. Capital Planning — Unscheduled column moved to rightmost position
   - Kanban column order: current year → future → unscheduled (was leftmost)
   - Puts immediate/near-term projects front and center

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

backend/src/modules/health-scores/health-scores.controller.ts

@@ -19,7 +19,7 @@ export class HealthScoresController {
   }
 
   @Post('calculate')
-  @ApiOperation({ summary: 'Trigger health score recalculation for current tenant' })
+  @ApiOperation({ summary: 'Trigger both health score recalculations (used by scheduler)' })
   @AllowViewer()
   async calculate(@Req() req: any) {
     const schema = req.user?.orgSchema;
@@ -29,4 +29,22 @@ export class HealthScoresController {
     ]);
     return { operating, reserve };
   }
+
+  @Post('calculate/operating')
+  @ApiOperation({ summary: 'Recalculate operating fund health score only' })
+  @AllowViewer()
+  async calculateOperating(@Req() req: any) {
+    const schema = req.user?.orgSchema;
+    const operating = await this.service.calculateScore(schema, 'operating');
+    return { operating };
+  }
+
+  @Post('calculate/reserve')
+  @ApiOperation({ summary: 'Recalculate reserve fund health score only' })
+  @AllowViewer()
+  async calculateReserve(@Req() req: any) {
+    const schema = req.user?.orgSchema;
+    const reserve = await this.service.calculateScore(schema, 'reserve');
+    return { reserve };
+  }
 }

backend/src/modules/health-scores/health-scores.service.ts

@@ -47,23 +47,49 @@ export class HealthScoresService {
 
   // ── Public API ──
 
-  async getLatestScores(schema: string): Promise<{ operating: HealthScore | null; reserve: HealthScore | null }> {
+  async getLatestScores(schema: string): Promise<{
+    operating: HealthScore | null;
+    reserve: HealthScore | null;
+    operating_last_failed: boolean;
+    reserve_last_failed: boolean;
+  }> {
     const qr = this.dataSource.createQueryRunner();
     try {
       await qr.connect();
       await qr.query(`SET search_path TO "${schema}"`);
 
-      const operating = await qr.query(
-        `SELECT * FROM health_scores WHERE score_type = 'operating' ORDER BY calculated_at DESC LIMIT 1`,
-      );
-      const reserve = await qr.query(
-        `SELECT * FROM health_scores WHERE score_type = 'reserve' ORDER BY calculated_at DESC LIMIT 1`,
-      );
+      // For each score type, return the latest *successful* score for display,
+      // and flag whether the most recent attempt (any status) was an error.
+      const result = { operating: null as HealthScore | null, reserve: null as HealthScore | null, operating_last_failed: false, reserve_last_failed: false };
 
-      return {
-        operating: operating[0] || null,
-        reserve: reserve[0] || null,
-      };
+      for (const scoreType of ['operating', 'reserve'] as const) {
+        // Most recent row (any status)
+        const latest = await qr.query(
+          `SELECT * FROM health_scores WHERE score_type = $1 ORDER BY calculated_at DESC LIMIT 1`,
+          [scoreType],
+        );
+        const latestRow = latest[0] || null;
+
+        if (!latestRow) {
+          // No scores at all
+          continue;
+        }
+
+        if (latestRow.status === 'error') {
+          // Most recent attempt failed — return the latest *complete* score instead
+          const lastGood = await qr.query(
+            `SELECT * FROM health_scores WHERE score_type = $1 AND status = 'complete' ORDER BY calculated_at DESC LIMIT 1`,
+            [scoreType],
+          );
+          result[scoreType] = lastGood[0] || latestRow; // fall back to error row if no good score exists
+          result[`${scoreType}_last_failed`] = true;
+        } else {
+          result[scoreType] = latestRow;
+          result[`${scoreType}_last_failed`] = false;
+        }
+      }
+
+      return result;
     } finally {
       await qr.release();
     }

backend/src/modules/investment-planning/investment-planning.service.ts

@@ -873,7 +873,7 @@ Based on this complete financial picture INCLUDING the 12-month cash flow foreca
             'Content-Type': 'application/json',
             'Content-Length': Buffer.byteLength(bodyString, 'utf-8'),
           },
-          timeout: 180000, // 3 minute timeout
+          timeout: 300000, // 5 minute timeout
         };
 
         const req = https.request(options, (res) => {
@@ -887,7 +887,7 @@ Based on this complete financial picture INCLUDING the 12-month cash flow foreca
         req.on('error', (err) => reject(err));
         req.on('timeout', () => {
           req.destroy();
-          reject(new Error(`Request timed out after 180s`));
+          reject(new Error(`Request timed out after 300s`));
         });
 
         req.write(bodyString);