Release 1.4.0 (build 31): retención, quick update, streak, what's new

- 1A: Notificación mensual de resumen de portfolio (día 5 de cada mes)
- 1B: Badge de racha mensual en Dashboard (streak counter)
- 1C: Empty states mejorados en Goals y Journal con CTAs claros
- 2A: Quick Update sheet — actualiza todas las fuentes desde una pantalla
- 2B: Notificación batch update redirige al Quick Update sheet
- 2C: Widget deep link portfoliojournal://quickupdate abre Quick Update
- 3A: App Store version check banner en Settings
- 3C: What's New sheet en primer launch de versión nueva
- Localización completa en 7 idiomas para todas las nuevas strings

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

PortfolioJournal/Views/Settings/SettingsView.swift

@@ -15,6 +15,7 @@ struct SettingsView: View {
     @AppStorage("lockOnBackground") private var lockOnBackground = false
 
     @ObservedObject private var cloudStack = CoreDataStack.shared
+    @ObservedObject private var updateService = AppUpdateService.shared
 
     @State private var showingPinSetup = false
     @State private var showingPinChange = false
@@ -39,6 +40,9 @@ struct SettingsView: View {
                 AppBackground()
 
                 List {
+                    if updateService.updateAvailable {
+                        updateAvailableSection
+                    }
                     brandSection
                     // Premium Section
                     premiumSection
@@ -181,6 +185,33 @@ struct SettingsView: View {
                 if viewModel.backupsEnabled {
                     viewModel.refreshBackups()
                 }
+                updateService.checkForUpdate()
+            }
+        }
+    }
+
+    // MARK: - Update Available Section
+
+    private var updateAvailableSection: some View {
+        Section {
+            Link(destination: URL(string: "https://apps.apple.com/app/id6741412965")!) {
+                HStack {
+                    Image(systemName: "arrow.down.circle.fill")
+                        .foregroundColor(.appPrimary)
+                    VStack(alignment: .leading, spacing: 2) {
+                        Text(String(localized: "update_available_title"))
+                            .font(.subheadline.weight(.semibold))
+                        if let v = updateService.latestVersion {
+                            Text(String(format: String(localized: "update_available_body"), v))
+                                .font(.caption)
+                                .foregroundColor(.secondary)
+                        }
+                    }
+                    Spacer()
+                    Image(systemName: "chevron.right")
+                        .foregroundColor(.secondary)
+                        .font(.caption)
+                }
             }
         }
     }
@@ -460,6 +491,12 @@ struct SettingsView: View {
                 }
             }
 
+            NavigationLink {
+                CategoriesView()
+            } label: {
+                Label("Categories", systemImage: "tag")
+            }
+
             Button {
                 if viewModel.canExport {
                     viewModel.showingExportOptions = true