1.6.0 #6+#7: proyección/ETA de objetivos + insights inteligentes

Goal ETA (#6): GoalProjection engine (CAGR mensual robusto de la evolución +
aportaciones, proyecta mes a mes → fecha estimada, estado ahead/on-track/behind/
unreachable, sparkline). GoalsView muestra 'Projected: <mes>', chip de ritmo con color,
fallback 'Add contributions to reach this'. GoalsViewModel.projection(for:) cacheado.

Insights (#7): InsightsEngine rule-based on-device (sin red/AI). Reglas: allocation vs
target, riesgo de concentración, mejor/peor categoría, diversificación, racha, YTD,
ganancias, forecast, proximidad a milestone. Priorizados por tono, top 4. PortfolioInsight
gana detail + tone. Surface en el Dashboard.

Localización: 19 claves nuevas en los 7 idiomas.

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_01L2p3gUZRNWW388rWFRjiU7

PortfolioJournal/ViewModels/DashboardViewModel.swift

@@ -731,80 +731,45 @@ class DashboardViewModel: ObservableObject {
         )
     }
 
+    /// Prioritized, on-device insights. Gathers local inputs and delegates the
+    /// rules to `InsightsEngine` (no network / no AI).
     var insights: [PortfolioInsight] {
-        var result: [PortfolioInsight] = []
-        guard portfolioSummary.totalValue > 0 else { return result }
         let total = portfolioSummary.totalValue
+        guard total > 0 else { return [] }
 
-        // 1. Milestone approaching (within 10% of next round milestone)
-        let milestones: [Decimal] = [1000, 2500, 5000, 10000, 25000, 50000,
-                                      100000, 250000, 500000, 1_000_000,
-                                      2_500_000, 5_000_000, 10_000_000]
-        if let next = milestones.first(where: { $0 > total }) {
-            let pct = NSDecimalNumber(decimal: total / next).doubleValue
-            if pct >= 0.90 {
-                let gap = next - total
-                let gapStr = CurrencyFormatter.format(gap, style: .currency, maximumFractionDigits: 0)
-                let msStr = CurrencyFormatter.format(next, style: .currency, maximumFractionDigits: 0)
-                result.append(PortfolioInsight(
-                    id: "milestone",
-                    systemImage: "flag.checkered",
-                    title: String(localized: "insight_milestone_title"),
-                    value: String(format: String(localized: "insight_milestone_value"), gapStr, msStr),
-                    accentColor: .orange
-                ))
-            }
+        let categorySlices: [InsightsEngine.CategorySlice] = categoryMetrics.map { cat in
+            InsightsEngine.CategorySlice(
+                name: cat.categoryName,
+                percentageOfPortfolio: cat.percentageOfPortfolio,
+                targetPercentage: AllocationTargetStore.target(for: cat.id),
+                returnPercentage: NSDecimalNumber(decimal: cat.metrics.percentageReturn).doubleValue
+            )
         }
 
-        // 2. Year-to-date performance
-        let ytdPct = portfolioSummary.yearChangePercentage
-        if abs(ytdPct) >= 0.1 {
-            let icon = ytdPct >= 0 ? "arrow.up.right.circle.fill" : "arrow.down.right.circle.fill"
-            result.append(PortfolioInsight(
-                id: "ytd",
-                systemImage: icon,
-                title: String(localized: "insight_ytd_title"),
-                value: String(format: "%+.1f%%", ytdPct),
-                accentColor: ytdPct >= 0 ? .positiveGreen : .negativeRed
-            ))
+        let sources = filteredSources()
+        let totalDouble = NSDecimalNumber(decimal: total).doubleValue
+        let sourceSlices: [InsightsEngine.SourceSlice] = sources.compactMap { source in
+            let value = NSDecimalNumber(decimal: source.latestValue).doubleValue
+            guard value > 0, totalDouble > 0 else { return nil }
+            return InsightsEngine.SourceSlice(
+                name: source.name,
+                percentageOfPortfolio: value / totalDouble * 100
+            )
         }
 
-        // 3. All-time market gains
-        let gains = portfolioSummary.allTimeReturn
-        if gains > 0 {
-            let gainStr = CurrencyFormatter.format(gains, style: .currency, maximumFractionDigits: 0)
-            result.append(PortfolioInsight(
-                id: "market_gains",
-                systemImage: "chart.line.uptrend.xyaxis",
-                title: String(localized: "insight_market_gains_title"),
-                value: String(format: String(localized: "insight_market_gains_value"), gainStr),
-                accentColor: .appPrimary
-            ))
-        }
+        let input = InsightsEngine.Input(
+            totalValue: total,
+            categories: categorySlices,
+            sources: sourceSlices,
+            fundedCategoryCount: categoryMetrics.filter { $0.totalValue > 0 }.count,
+            fundedSourceCount: sourceSlices.count,
+            yearChangePercentage: portfolioSummary.yearChangePercentage,
+            allTimeReturn: portfolioSummary.allTimeReturn,
+            updateStreak: updateStreak,
+            forecast: portfolioForecast
+        )
 
-        // 4. Tracking streak (>= 3 months)
-        if updateStreak >= 3 {
-            result.append(PortfolioInsight(
-                id: "streak",
-                systemImage: "flame.fill",
-                title: String(localized: "insight_streak_title"),
-                value: String(format: String(localized: "insight_streak_value"), updateStreak),
-                accentColor: .orange
-            ))
-        }
-
-        // 5. Forecast
-        if let forecast = portfolioForecast, forecast.forecastValue > total {
-            result.append(PortfolioInsight(
-                id: "forecast",
-                systemImage: "wand.and.stars",
-                title: String(localized: "insight_forecast_title"),
-                value: "\(forecast.formattedForecastValue) · \(forecast.formattedForecastDate)",
-                accentColor: .purple
-            ))
-        }
-
-        return result
+        return InsightsEngine.makeInsights(input)
     }
 
     var topCategories: [CategoryMetrics] {