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>

frontend/src/pages/capital-projects/CapitalProjectsPage.tsx

@@ -430,13 +430,13 @@ export function CapitalProjectsPage() {
   // Merge base years with any extra years from projects (excluding FUTURE_YEAR for now)
   const regularYears = [...new Set([...baseYears, ...projectYears.filter((y) => y !== FUTURE_YEAR)])].sort();
   const years = [
-    ...(hasUnscheduledProjects ? [UNSCHEDULED] : []),
     ...regularYears,
     ...(hasFutureProjects ? [FUTURE_YEAR] : []),
+    ...(hasUnscheduledProjects ? [UNSCHEDULED] : []),
   ];
 
-  // Kanban columns: Unscheduled + current..current+4 + Future
-  const kanbanYears = [UNSCHEDULED, ...baseYears, FUTURE_YEAR];
+  // Kanban columns: current..current+4 + Future + Unscheduled (rightmost)
+  const kanbanYears = [...baseYears, FUTURE_YEAR, UNSCHEDULED];
 
   // ---- Loading state ----