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/investment-planning/InvestmentPlanningPage.tsx

@@ -373,7 +373,7 @@ export function InvestmentPlanningPage() {
   // AI recommendation (on-demand)
   const aiMutation = useMutation({
     mutationFn: async () => {
-      const { data } = await api.post('/investment-planning/recommendations');
+      const { data } = await api.post('/investment-planning/recommendations', {}, { timeout: 300000 });
       return data as AIResponse;
     },
     onSuccess: (data) => {
@@ -663,7 +663,7 @@ export function InvestmentPlanningPage() {
                 Analyzing your financial data and market rates...
               </Text>
               <Text c="dimmed" size="xs">
-                This may take up to 30 seconds
+                This may take a few minutes for complex tenant data
               </Text>
             </Stack>
           </Center>