chore: check in pending work — queue preferences, QBO AR diagnostics, mobile engagement fixes, ops scripts

Bundles several in-progress efforts that were sitting uncommitted:
- User queue-preferences (migration 087, API route, popover component)
- QBO invoice soft-delete (migration 088) and AR diagnostics route
- Dashboard/mobile engagement route and page adjustments
- Docker Compose log-rotation config
- One-off ticket/RMM investigation scripts (scripts/)
- Planning docs: phase verification/pattern notes, mobile shell design spec
- .gitignore: exclude local scratch financial/inventory data and Claude Code
  worktree/local-settings runtime state (never meant for version control)

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_01W6RuWdiUiXrPK6FLBHjtpY

app/mobile/finance/page.tsx

@@ -26,6 +26,7 @@ interface AgingBucket { balance: number; count: number; }
 interface FinanceData {
   summary: {
     total_ar: number; total_ar_count: number;
+    total_ar_gross?: number; unapplied_credits?: number;
     current_balance: number; current_count: number;
     overdue_balance: number; overdue_count: number;
     paid_mtd: number; paid_ytd: number;
@@ -178,7 +179,11 @@ export default function MobileFinance() {
               <KpiCardMobile
                 label="TOTAL AR"
                 value={fmt$(summary.total_ar)}
-                caption={`${summary.total_ar_count} open invoices`}
+                caption={
+                  summary.unapplied_credits && summary.unapplied_credits > 0
+                    ? `${summary.total_ar_count} open · −${fmt$(summary.unapplied_credits)} credits`
+                    : `${summary.total_ar_count} open invoices`
+                }
               />
               <KpiCardMobile
                 label="CURRENT"