Home: carrusel de charts con gating premium (candado) + aviso de próximo check-in

- EvolutionChartCard: swipe entre 7 charts (evolution, allocation libres; performance,
  drawdown, volatility, prediction, year-over-year premium). No premium ve las premium
  con candado + CTA de unlock; premium las ve reales. Reutiliza ChartsViewModel (computa
  solo la página visible) y las vistas del feature Charts.
- MonthlyCheckInCard: aviso de próximo check-in siempre visible (fecha + badge de
  días restantes/atrasado), con fallback cuando no hay check-in previo.
- Localización de nuevas cadenas en los 7 idiomas.

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_01LZFmGhbWzibhApev3C4554

PortfolioJournal/Views/Dashboard/DashboardView.swift

@@ -309,7 +309,9 @@ struct DashboardView: View {
                     goals: goalsViewModel.goals,
                     allocation: viewModel.categoryMetrics.map {
                         (category: $0.categoryName, value: $0.totalValue, color: $0.colorHex)
-                    }
+                    },
+                    iapService: iapService,
+                    onRequestUpgrade: { viewModel.showingPaywall = true }
                 )
             }
         case .categoryBreakdown:
@@ -572,9 +574,22 @@ struct MonthlyCheckInCard: View {
     }
 
     private var nextCheckInDate: Date? {
-        guard let last = effectiveLastCheckInDate else { return nil }
-        let effective = MonthlyCheckInStore.effectiveMonth(for: last, relativeTo: last)
-        return effective.adding(months: 1).endOfMonth
+        if let last = effectiveLastCheckInDate {
+            let effective = MonthlyCheckInStore.effectiveMonth(for: last, relativeTo: last)
+            return effective.adding(months: 1).endOfMonth
+        }
+        // No prior check-in yet — still surface a due date (end of the current
+        // effective month) so the reminder is always visible on the Home card.
+        let effectiveNow = MonthlyCheckInStore.effectiveMonth(for: Date(), relativeTo: Date())
+        return effectiveNow.endOfMonth
+    }
+
+    /// Short urgency badge shown next to the next check-in date.
+    private var deadlineBadgeText: String {
+        guard let days = daysUntilDeadline else { return "" }
+        if days < 0 { return String(localized: "checkin_overdue") }
+        if days == 0 { return String(localized: "checkin_due_today") }
+        return String(format: String(localized: "checkin_days_left"), days)
     }
 
     private var isOverdue: Bool {
@@ -785,9 +800,28 @@ struct MonthlyCheckInCard: View {
             }
 
             if let nextDate = nextCheckInDate {
-                Text("Next check-in: \(nextDate.mediumDateString)")
-                    .font(.caption)
-                    .foregroundColor(isOverdue ? .red : .secondary)
+                HStack(spacing: 6) {
+                    Image(systemName: "calendar")
+                        .font(.caption)
+                        .foregroundColor(isOverdue ? .red : .secondary)
+                    Text(String(format: String(localized: "checkin_next_due"), nextDate.mediumDateString))
+                        .font(.caption)
+                        .foregroundColor(isOverdue ? .red : .secondary)
+                    Spacer()
+                    if !deadlineBadgeText.isEmpty {
+                        Text(deadlineBadgeText)
+                            .font(.caption2.weight(.semibold))
+                            .foregroundColor(progressBarTint)
+                            .padding(.horizontal, 8)
+                            .padding(.vertical, 3)
+                            .background(progressBarTint.opacity(0.12))
+                            .clipShape(Capsule())
+                    }
+                }
+                .padding(.horizontal, 10)
+                .padding(.vertical, 8)
+                .background(Color(.tertiarySystemFill))
+                .cornerRadius(10)
             }
 
             Button {