Growth y monetización: fixes críticos, paywall multi-plan, teasers y App Intents

CRÍTICO — enlaces del App Store rotos (adquisición viral = 0):
- GoalShareService.appStoreURL apuntaba a id6744983373 (404): el QR de TODAS las
  imágenes compartidas llevaba a una página muerta. Corregido a id6757678318.
- SettingsView enlazaba id6741412965 (una novela romántica). Ahora usa la constante.

Monetización:
- IAPService multi-producto: sub anual (com.portfoliojournal.premium.annual, con
  intro offer/trial) + lifetime como ancla. isPremium acepta cualquiera de los dos.
  Paywall con selector de plan (anual por defecto si existe; degrada a solo lifetime
  mientras el producto no esté creado en App Store Connect).
- paywallBenefits: añadidos Multiple Accounts y Family Sharing (diferenciadores).
- Teaser de historia bloqueada en Charts: "N meses más con Premium" en vez de
  truncar en silencio (FreemiumValidator.hiddenHistoryMonths + banner).
- Trigger de paywall de backups ahora instrumentado (logPaywallShown "backups").

Retención / adquisición:
- Rating velocity: prompt tras 2 check-ins y 30 días (antes 3 + 90 — en una app
  mensual eso era >3 meses sin poder pedir la primera review con ~0 ratings).
- Sample data ON por defecto en onboarding (skip ya no aterriza en dashboard vacío).
- Notificación de protección de streak el día 25 si el check-in del mes está pendiente.
- App Intents + AppShortcutsProvider: "Update my portfolio" / "Check my portfolio"
  vía Siri/Shortcuts/Spotlight.
- Instrumentación: onboarding_step/onboarding_skipped y content_shared (viral loop).
- ScreenshotMode (--screenshots) para capturas de marketing automatizadas.

ASO:
- 6 locales nuevos en metadata (en-GB, en-CA, en-AU, es-MX, fr-CA, pt-PT) reusando
  traducciones — 6 campos de keywords extra; pt-PT adaptado (reforma).
- Categoría secundaria: PRODUCTIVITY.
- 17 strings nuevas localizadas en los 7 idiomas.

Pendiente manual: crear la sub anual en App Store Connect (grupo de suscripción +
intro offer 7 días) con el id exacto com.portfoliojournal.premium.annual.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_015qUZrBusG82T37R7PeokqJ

PortfolioJournal/Services/IAPService.swift

@@ -16,7 +16,13 @@ class IAPService: ObservableObject {
 
     // MARK: - Constants
 
+    /// Lifetime unlock (non-consumable). Existing product — keep the id stable.
     static let premiumProductID = "com.portfoliojournal.premium"
+    /// Annual auto-renewable subscription with intro free trial. Acts as the primary
+    /// offer; lifetime becomes the "best value" anchor. Must be created in App Store
+    /// Connect with this exact id — until then the paywall gracefully shows lifetime only.
+    static let annualProductID = "com.portfoliojournal.premium.annual"
+    static let allProductIDs: Set<String> = [premiumProductID, annualProductID]
     static let premiumPrice = "€4.69"
 
     // MARK: - Private Properties
@@ -64,7 +70,7 @@ class IAPService: ObservableObject {
 
     func loadProducts() async {
         do {
-            products = try await Product.products(for: [Self.premiumProductID])
+            products = try await Product.products(for: Self.allProductIDs)
             print("Loaded \(products.count) products")
         } catch {
             print("Failed to load products: \(error)")
@@ -73,10 +79,16 @@ class IAPService: ObservableObject {
 
     // MARK: - Purchase
 
+    /// Purchases the lifetime unlock (backwards-compatible entry point).
     func purchase() async throws {
-        guard let product = products.first else {
+        guard let product = premiumProduct ?? products.first else {
             throw IAPError.productNotFound
         }
+        try await purchase(product)
+    }
+
+    /// Purchases a specific product (annual subscription or lifetime unlock).
+    func purchase(_ product: Product) async throws {
 
         purchaseState = .purchasing
 
@@ -169,10 +181,13 @@ class IAPService: ObservableObject {
             return
         }
 
+        var entitledProductID = Self.premiumProductID
         for await result in StoreKit.Transaction.currentEntitlements {
             if case .verified(let transaction) = result {
-                if transaction.productID == Self.premiumProductID {
+                // Lifetime unlock OR an active annual subscription both grant premium.
+                if Self.allProductIDs.contains(transaction.productID) {
                     isEntitled = true
+                    entitledProductID = transaction.productID
                     familyShared = transaction.ownershipType == .familyShared
                     break
                 }
@@ -187,7 +202,7 @@ class IAPService: ObservableObject {
         let context = CoreDataStack.shared.viewContext
         PremiumStatus.updateStatus(
             isPremium: isEntitled,
-            productIdentifier: Self.premiumProductID,
+            productIdentifier: entitledProductID,
             transactionId: nil,
             isFamilyShared: familyShared,
             in: context
@@ -238,9 +253,34 @@ class IAPService: ObservableObject {
         products.first { $0.id == Self.premiumProductID }
     }
 
+    /// Annual subscription, nil until the product exists in App Store Connect.
+    var annualProduct: Product? {
+        products.first { $0.id == Self.annualProductID }
+    }
+
     var formattedPrice: String {
         premiumProduct?.displayPrice ?? Self.premiumPrice
     }
+
+    var formattedAnnualPrice: String? {
+        annualProduct?.displayPrice
+    }
+
+    /// Localized description of the annual intro offer ("7 days free"), if configured.
+    var annualTrialDescription: String? {
+        guard let intro = annualProduct?.subscription?.introductoryOffer,
+              intro.paymentMode == .freeTrial else { return nil }
+        let period = intro.period
+        let unit: String
+        switch period.unit {
+        case .day: unit = String(localized: "paywall_trial_days")
+        case .week: unit = String(localized: "paywall_trial_weeks")
+        case .month: unit = String(localized: "paywall_trial_months")
+        case .year: unit = String(localized: "paywall_trial_years")
+        @unknown default: unit = ""
+        }
+        return String(format: String(localized: "paywall_trial_format"), period.value, unit)
+    }
 }
 
 // MARK: - IAP Error
@@ -276,7 +316,8 @@ extension IAPService {
         ("person.2", "Family Sharing", "Share with up to 5 family members")
     ]
 
-    /// Condensed benefits shown on the paywall (4 max, outcome-focused)
+    /// Condensed benefits shown on the paywall (outcome-focused). Multiple Accounts and
+    /// Family Sharing are key differentiators vs competitors — keep them visible here.
     static var paywallBenefits: [(icon: String, title: String, subtitle: String)] {[
         ("clock.arrow.circlepath",
          String(localized: "paywall_benefit_history_title"),
@@ -287,6 +328,12 @@ extension IAPService {
         ("wand.and.stars",
          String(localized: "paywall_benefit_forecasts_title"),
          String(localized: "paywall_benefit_forecasts_subtitle")),
+        ("person.2",
+         String(localized: "paywall_benefit_accounts_title"),
+         String(localized: "paywall_benefit_accounts_subtitle")),
+        ("person.3",
+         String(localized: "paywall_benefit_family_title"),
+         String(localized: "paywall_benefit_family_subtitle")),
         ("xmark.circle",
          String(localized: "paywall_benefit_noads_title"),
          String(localized: "paywall_benefit_noads_subtitle"))