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/dashboard/DashboardPage.tsx

@@ -16,6 +16,7 @@ import {
   IconRefresh,
   IconInfoCircle,
 } from '@tabler/icons-react';
+import { useState } from 'react';
 import { useQuery, useMutation, useQueryClient } from '@tanstack/react-query';
 import { useAuthStore } from '../../stores/authStore';
 import api from '../../services/api';
@@ -39,6 +40,8 @@ interface HealthScore {
 interface HealthScoresData {
   operating: HealthScore | null;
   reserve: HealthScore | null;
+  operating_last_failed?: boolean;
+  reserve_last_failed?: boolean;
 }
 
 function getScoreColor(score: number): string {
@@ -55,13 +58,36 @@ function TrajectoryIcon({ trajectory }: { trajectory: string | null }) {
   return null;
 }
 
-function HealthScoreCard({ score, title, icon }: { score: HealthScore | null; title: string; icon: React.ReactNode }) {
+function HealthScoreCard({
+  score,
+  title,
+  icon,
+  isRefreshing,
+  onRefresh,
+  lastFailed,
+}: {
+  score: HealthScore | null;
+  title: string;
+  icon: React.ReactNode;
+  isRefreshing?: boolean;
+  onRefresh?: () => void;
+  lastFailed?: boolean;
+}) {
+  // No score at all yet
   if (!score) {
     return (
       <Card withBorder padding="lg" radius="md">
         <Group justify="space-between" mb="xs">
           <Text size="xs" c="dimmed" tt="uppercase" fw={700}>{title} Health</Text>
-          {icon}
+          <Group gap={6}>
+            {onRefresh && (
+              <Tooltip label={`Recalculate ${title.toLowerCase()} score`}>
+                <Button variant="subtle" size="compact-xs" leftSection={<IconRefresh size={14} />}
+                  loading={isRefreshing} onClick={onRefresh}>Refresh</Button>
+              </Tooltip>
+            )}
+            {icon}
+          </Group>
         </Group>
         <Center h={100}>
           <Text c="dimmed" size="sm">No health score yet</Text>
@@ -70,6 +96,7 @@ function HealthScoreCard({ score, title, icon }: { score: HealthScore | null; ti
     );
   }
 
+  // Pending — missing data, can't calculate
   if (score.status === 'pending') {
     const missingItems = Array.isArray(score.missing_data) ? score.missing_data :
       (typeof score.missing_data === 'string' ? JSON.parse(score.missing_data) : []);
@@ -77,7 +104,15 @@ function HealthScoreCard({ score, title, icon }: { score: HealthScore | null; ti
       <Card withBorder padding="lg" radius="md">
         <Group justify="space-between" mb="xs">
           <Text size="xs" c="dimmed" tt="uppercase" fw={700}>{title} Health</Text>
-          {icon}
+          <Group gap={6}>
+            {onRefresh && (
+              <Tooltip label={`Recalculate ${title.toLowerCase()} score`}>
+                <Button variant="subtle" size="compact-xs" leftSection={<IconRefresh size={14} />}
+                  loading={isRefreshing} onClick={onRefresh}>Refresh</Button>
+              </Tooltip>
+            )}
+            {icon}
+          </Group>
         </Group>
         <Center>
           <Stack align="center" gap="xs">
@@ -92,20 +127,38 @@ function HealthScoreCard({ score, title, icon }: { score: HealthScore | null; ti
     );
   }
 
-  if (score.status === 'error') {
+  // For error status, we still render the score data (cached from the previous
+  // successful run) rather than blanking the card with "Error calculating score".
+  // A small watermark under the timestamp tells the user it's stale.
+  const showAsError = score.status === 'error' && score.score === 0 && !score.summary;
+
+  // Pure error with no cached data to fall back on
+  if (showAsError) {
     return (
       <Card withBorder padding="lg" radius="md">
         <Group justify="space-between" mb="xs">
           <Text size="xs" c="dimmed" tt="uppercase" fw={700}>{title} Health</Text>
-          {icon}
+          <Group gap={6}>
+            {onRefresh && (
+              <Tooltip label={`Retry ${title.toLowerCase()} score`}>
+                <Button variant="subtle" size="compact-xs" leftSection={<IconRefresh size={14} />}
+                  loading={isRefreshing} onClick={onRefresh}>Retry</Button>
+              </Tooltip>
+            )}
+            {icon}
+          </Group>
         </Group>
         <Center h={100}>
-          <Badge color="red" variant="light">Error calculating score</Badge>
+          <Stack align="center" gap={4}>
+            <Badge color="red" variant="light">Error calculating score</Badge>
+            <Text size="xs" c="dimmed">Click Retry to try again</Text>
+          </Stack>
         </Center>
       </Card>
     );
   }
 
+  // Normal display — works for both 'complete' and 'error' (with cached data)
   const color = getScoreColor(score.score);
   const factors = Array.isArray(score.factors) ? score.factors :
     (typeof score.factors === 'string' ? JSON.parse(score.factors) : []);
@@ -116,7 +169,15 @@ function HealthScoreCard({ score, title, icon }: { score: HealthScore | null; ti
     <Card withBorder padding="lg" radius="md">
       <Group justify="space-between" mb="xs">
         <Text size="xs" c="dimmed" tt="uppercase" fw={700}>{title} Health</Text>
-        {icon}
+        <Group gap={6}>
+          {onRefresh && (
+            <Tooltip label={`Recalculate ${title.toLowerCase()} score`}>
+              <Button variant="subtle" size="compact-xs" leftSection={<IconRefresh size={14} />}
+                loading={isRefreshing} onClick={onRefresh}>Refresh</Button>
+            </Tooltip>
+          )}
+          {icon}
+        </Group>
       </Group>
       <Group align="flex-start" gap="lg">
         <RingProgress
@@ -215,9 +276,16 @@ function HealthScoreCard({ score, title, icon }: { score: HealthScore | null; ti
         </Stack>
       </Group>
       {score.calculated_at && (
-        <Text size="10px" c="dimmed" ta="right" mt={6} style={{ opacity: 0.7 }}>
-          Last updated {new Date(score.calculated_at).toLocaleDateString()} at {new Date(score.calculated_at).toLocaleTimeString([], { hour: '2-digit', minute: '2-digit' })}
-        </Text>
+        <Stack gap={0} mt={6} align="flex-end">
+          <Text size="10px" c="dimmed" style={{ opacity: 0.7 }}>
+            Last updated {new Date(score.calculated_at).toLocaleDateString()} at {new Date(score.calculated_at).toLocaleTimeString([], { hour: '2-digit', minute: '2-digit' })}
+          </Text>
+          {lastFailed && (
+            <Text size="10px" c="orange" fw={500} style={{ opacity: 0.85 }}>
+              last analysis failed — showing cached data
+            </Text>
+          )}
+        </Stack>
       )}
     </Card>
   );
@@ -245,6 +313,10 @@ export function DashboardPage() {
   const currentOrg = useAuthStore((s) => s.currentOrg);
   const queryClient = useQueryClient();
 
+  // Track whether last refresh attempt failed (per score type)
+  const [operatingFailed, setOperatingFailed] = useState(false);
+  const [reserveFailed, setReserveFailed] = useState(false);
+
   const { data, isLoading } = useQuery<DashboardData>({
     queryKey: ['dashboard'],
     queryFn: async () => { const { data } = await api.get('/reports/dashboard'); return data; },
@@ -257,9 +329,28 @@ export function DashboardPage() {
     enabled: !!currentOrg,
   });
 
-  const recalcMutation = useMutation({
-    mutationFn: () => api.post('/health-scores/calculate'),
+  // Separate mutations for each score type
+  const recalcOperatingMutation = useMutation({
+    mutationFn: () => api.post('/health-scores/calculate/operating'),
     onSuccess: () => {
+      setOperatingFailed(false);
+      queryClient.invalidateQueries({ queryKey: ['health-scores'] });
+    },
+    onError: () => {
+      setOperatingFailed(true);
+      // Still refresh to get whatever the backend saved (could be cached data)
+      queryClient.invalidateQueries({ queryKey: ['health-scores'] });
+    },
+  });
+
+  const recalcReserveMutation = useMutation({
+    mutationFn: () => api.post('/health-scores/calculate/reserve'),
+    onSuccess: () => {
+      setReserveFailed(false);
+      queryClient.invalidateQueries({ queryKey: ['health-scores'] });
+    },
+    onError: () => {
+      setReserveFailed(true);
       queryClient.invalidateQueries({ queryKey: ['health-scores'] });
     },
   });
@@ -290,20 +381,7 @@ export function DashboardPage() {
         <Center h={200}><Loader /></Center>
       ) : (
         <>
-          <Group justify="space-between" align="center">
-            <Text size="sm" fw={600} c="dimmed">AI Health Scores</Text>
-            <Tooltip label="Recalculate health scores now">
-              <Button
-                variant="subtle"
-                size="compact-xs"
-                leftSection={<IconRefresh size={14} />}
-                loading={recalcMutation.isPending}
-                onClick={() => recalcMutation.mutate()}
-              >
-                Refresh
-              </Button>
-            </Tooltip>
-          </Group>
+          <Text size="sm" fw={600} c="dimmed">AI Health Scores</Text>
           <SimpleGrid cols={{ base: 1, md: 2 }}>
             <HealthScoreCard
               score={healthScores?.operating || null}
@@ -313,6 +391,9 @@ export function DashboardPage() {
                   <IconHeartbeat size={20} />
                 </ThemeIcon>
               }
+              isRefreshing={recalcOperatingMutation.isPending}
+              onRefresh={() => recalcOperatingMutation.mutate()}
+              lastFailed={operatingFailed || !!healthScores?.operating_last_failed}
             />
             <HealthScoreCard
               score={healthScores?.reserve || null}
@@ -322,6 +403,9 @@ export function DashboardPage() {
                   <IconHeartbeat size={20} />
                 </ThemeIcon>
               }
+              isRefreshing={recalcReserveMutation.isPending}
+              onRefresh={() => recalcReserveMutation.mutate()}
+              lastFailed={reserveFailed || !!healthScores?.reserve_last_failed}
             />
           </SimpleGrid>