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/Views/Charts/ChartsContainerView.swift

@@ -141,6 +141,9 @@ struct ChartsContainerView: View {
                                 }
                         }
                         chartContent
+                        if viewModel.hiddenHistoryMonths > 0 {
+                            lockedHistoryTeaser
+                        }
                     }
                     .padding()
                 }
@@ -150,6 +153,30 @@ struct ChartsContainerView: View {
         .sheet(isPresented: $viewModel.showingPaywall) { PaywallView() }
     }
 
+    /// Concrete loss-framing upsell: the user has real data older than the free
+    /// 12-month window; tell them exactly how much is locked instead of hiding it.
+    private var lockedHistoryTeaser: some View {
+        Button {
+            FirebaseService.shared.logPaywallShown(trigger: "history_teaser")
+            viewModel.showingPaywall = true
+        } label: {
+            HStack(spacing: 8) {
+                Image(systemName: "lock.fill")
+                Text(String(format: String(localized: "chart_history_locked"), viewModel.hiddenHistoryMonths))
+                    .multilineTextAlignment(.leading)
+                Spacer()
+                Image(systemName: "chevron.right")
+                    .font(.caption)
+            }
+            .font(.footnote.weight(.medium))
+            .foregroundColor(.appPrimary)
+            .padding(12)
+            .background(Color.appPrimary.opacity(0.08))
+            .cornerRadius(AppConstants.UI.smallCornerRadius)
+        }
+        .buttonStyle(.plain)
+    }
+
     // MARK: - iPhone Layout
 
     private var iPhoneChartsLayout: some View {
@@ -166,6 +193,9 @@ struct ChartsContainerView: View {
                     }
                     filtersSection
                     chartContent
+                    if viewModel.hiddenHistoryMonths > 0 {
+                        lockedHistoryTeaser
+                    }
                 }
                 .padding()
             }

PortfolioJournal/Views/Onboarding/OnboardingView.swift

@@ -6,7 +6,9 @@ struct OnboardingView: View {
 
     @State private var currentPage = 0
     @State private var selectedCurrency = Locale.current.currency?.identifier ?? "EUR"
-    @State private var useSampleData = false
+    // Default ON: a user who skips onboarding lands on a populated dashboard (instant
+    // aha moment) instead of an empty screen. Sample data is clearly labeled and removable.
+    @State private var useSampleData = true
     @AppStorage("calmModeEnabled") private var calmModeEnabled = true
     @AppStorage("cloudSyncEnabled") private var cloudSyncEnabled = false
     @State private var showingImportSheet = false
@@ -90,6 +92,7 @@ struct OnboardingView: View {
                     }
 
                     Button {
+                        FirebaseService.shared.logOnboardingSkipped(atStep: currentPage)
                         completeOnboarding()
                     } label: {
                         Text("Skip")
@@ -117,6 +120,9 @@ struct OnboardingView: View {
         .onAppear {
             selectedCurrency = AppSettings.getOrCreate(in: CoreDataStack.shared.viewContext).currency
         }
+        .onChange(of: currentPage) { _, newPage in
+            FirebaseService.shared.logOnboardingStep(step: newPage)
+        }
         .sheet(isPresented: $showingImportSheet) {
             ImportDataView(importContext: .onboarding)
         }
@@ -220,6 +226,12 @@ struct OnboardingQuickStartView: View {
     let onImport: () -> Void
     let onAddSource: () -> Void
 
+    /// URL to the app's page in the system Settings app. Exposed as a static helper
+    /// for testability (see OnboardingViewTests).
+    static func appSettingsURL() -> URL? {
+        URL(string: UIApplication.openSettingsURLString)
+    }
+
     var body: some View {
         ScrollView {
             VStack(spacing: 28) {

PortfolioJournal/Views/Premium/PaywallView.swift

@@ -1,4 +1,5 @@
 import SwiftUI
+import StoreKit
 
 // MARK: - Chart Preview (decorative, no real data)
 
@@ -96,6 +97,11 @@ struct PaywallView: View {
     @State private var errorMessage: String?
     @State private var showingError = false
 
+    /// Which plan the user has highlighted. Defaults to annual (primary offer) when
+    /// the subscription exists in App Store Connect; falls back to lifetime otherwise.
+    enum Plan { case annual, lifetime }
+    @State private var selectedPlan: Plan = .lifetime
+
     var body: some View {
         ZStack(alignment: .topTrailing) {
             AppBackground()
@@ -116,7 +122,11 @@ struct PaywallView: View {
 
                 // Bottom actions
                 VStack(spacing: 12) {
-                    priceLabel
+                    if iapService.annualProduct != nil {
+                        planSelector
+                    } else {
+                        priceLabel
+                    }
                     purchaseButton
                     restoreButton
                     legalSection
@@ -197,6 +207,72 @@ struct PaywallView: View {
         }
     }
 
+    // MARK: - Plan Selector
+
+    /// Two-option selector: annual subscription (primary, with free trial when
+    /// configured) and lifetime unlock as the "best value" anchor.
+    private var planSelector: some View {
+        VStack(spacing: 8) {
+            if let annualPrice = iapService.formattedAnnualPrice {
+                planRow(
+                    plan: .annual,
+                    title: String(localized: "paywall_plan_annual"),
+                    price: String(format: String(localized: "paywall_plan_annual_per_year"), annualPrice),
+                    badge: iapService.annualTrialDescription
+                )
+            }
+            planRow(
+                plan: .lifetime,
+                title: String(localized: "paywall_plan_lifetime"),
+                price: iapService.formattedPrice,
+                badge: String(localized: "paywall_plan_lifetime_badge")
+            )
+        }
+        .onAppear {
+            if iapService.annualProduct != nil { selectedPlan = .annual }
+        }
+    }
+
+    private func planRow(plan: Plan, title: String, price: String, badge: String?) -> some View {
+        Button {
+            selectedPlan = plan
+        } label: {
+            HStack {
+                VStack(alignment: .leading, spacing: 2) {
+                    HStack(spacing: 6) {
+                        Text(title)
+                            .font(.subheadline.weight(.semibold))
+                            .foregroundColor(.primary)
+                        if let badge, !badge.isEmpty {
+                            Text(badge)
+                                .font(.caption2.weight(.bold))
+                                .padding(.horizontal, 6)
+                                .padding(.vertical, 2)
+                                .background(Color.appSecondary.opacity(0.15))
+                                .foregroundColor(.appSecondary)
+                                .clipShape(Capsule())
+                        }
+                    }
+                    Text(price)
+                        .font(.footnote)
+                        .foregroundColor(.secondary)
+                }
+                Spacer()
+                Image(systemName: selectedPlan == plan ? "checkmark.circle.fill" : "circle")
+                    .foregroundColor(selectedPlan == plan ? .appPrimary : .secondary)
+            }
+            .padding(12)
+            .background(Color(.systemBackground))
+            .overlay(
+                RoundedRectangle(cornerRadius: AppConstants.UI.smallCornerRadius)
+                    .stroke(selectedPlan == plan ? Color.appPrimary : Color.gray.opacity(0.25),
+                            lineWidth: selectedPlan == plan ? 2 : 1)
+            )
+            .cornerRadius(AppConstants.UI.smallCornerRadius)
+        }
+        .buttonStyle(.plain)
+    }
+
     // MARK: - Purchase Button
 
     private var purchaseButton: some View {
@@ -259,11 +335,18 @@ struct PaywallView: View {
 
     private func purchase() {
         isPurchasing = true
-        FirebaseService.shared.logPurchaseAttempt(productId: IAPService.premiumProductID)
+        let product = (selectedPlan == .annual ? iapService.annualProduct : iapService.premiumProduct)
+        FirebaseService.shared.logPurchaseAttempt(
+            productId: product?.id ?? IAPService.premiumProductID
+        )
 
         Task {
             do {
-                try await iapService.purchase()
+                if let product {
+                    try await iapService.purchase(product)
+                } else {
+                    try await iapService.purchase()
+                }
             } catch {
                 errorMessage = error.localizedDescription
                 showingError = true

PortfolioJournal/Views/Settings/SettingsView.swift

@@ -194,7 +194,7 @@ struct SettingsView: View {
 
     private var updateAvailableSection: some View {
         Section {
-            Link(destination: URL(string: "https://apps.apple.com/app/id6741412965")!) {
+            Link(destination: GoalShareService.appStoreURL) {
                 HStack {
                     Image(systemName: "arrow.down.circle.fill")
                         .foregroundColor(.appPrimary)