Calm 2.0 Fase 1: sistema de diseño limpio + Home en 3 zonas (1.5.0 build 51)

Sistema:
- AppBackground: fuera gradiente + formas decorativas → systemGroupedBackground
  plano en toda la app. La profundidad la da la jerarquía, no la decoración.

Home (3 zonas: estado / acción / contexto):
- TotalValueCard: hero tipográfico — número 44pt rounded sobre card limpia,
  chip de delta semántico (verde/rojo), sparkline de evolución 56pt estilo
  Stocks, fila secundaria YoY / inception / forecast. Fuera el gradiente azul.
- MonthlyCheckInCard state-driven: pendiente → protagonista con progreso real
  de fuentes (N de M) y un CTA; completado → fila discreta con checkmark,
  próximo check-in y streak integrado. En iPad va a ancho completo bajo el
  hero (zona de acción), fuera del grid.
- InsightsRow: de carrusel de chips a un insight único rotatorio (tap para
  ciclar, dots de posición).
- Eliminados del top: streak badge (vive en el check-in) y banner de pending
  updates (el progreso del check-in lo comunica).
- Defaults nuevos: momentumStreaks/pendingUpdates/periodReturns/monthlySummary
  ocultos por defecto (siguen disponibles en Customize; configs guardadas de
  usuarios existentes se respetan).
- Strings nuevas en 7 idiomas (checkin_done_*, checkin_sources_progress).

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_01WoScpmHdVj1aUf4rAp6hbe

PortfolioJournal/Views/Dashboard/InsightsRow.swift

@@ -1,49 +1,60 @@
 import SwiftUI
 
+// Calm 2.0: one insight at a time instead of a chip carousel — a quiet,
+// glanceable line under the check-in zone. Tap to cycle through the rest.
 struct InsightsRow: View {
     let insights: [PortfolioInsight]
+    @State private var index = 0
+
+    private var current: PortfolioInsight? {
+        guard !insights.isEmpty else { return nil }
+        return insights[index % insights.count]
+    }
 
     var body: some View {
-        VStack(alignment: .leading, spacing: 10) {
-            Text(String(localized: "insights_section_title"))
-                .font(.headline)
-
-            ScrollView(.horizontal, showsIndicators: false) {
+        if let insight = current {
+            Button {
+                withAnimation(.snappy) {
+                    index = (index + 1) % insights.count
+                }
+            } label: {
                 HStack(spacing: 12) {
-                    ForEach(insights) { insight in
-                        insightChip(insight)
+                    Image(systemName: insight.systemImage)
+                        .font(.subheadline.weight(.semibold))
+                        .foregroundColor(insight.accentColor)
+                        .frame(width: 30, height: 30)
+                        .background(insight.accentColor.opacity(0.12))
+                        .clipShape(Circle())
+
+                    VStack(alignment: .leading, spacing: 1) {
+                        Text(insight.title)
+                            .font(.caption)
+                            .foregroundColor(.secondary)
+                        Text(insight.value)
+                            .font(.subheadline.weight(.semibold))
+                            .foregroundColor(.primary)
+                            .lineLimit(1)
+                    }
+
+                    Spacer()
+
+                    if insights.count > 1 {
+                        HStack(spacing: 4) {
+                            ForEach(insights.indices, id: \.self) { i in
+                                Circle()
+                                    .fill(i == index % insights.count ? Color.secondary : Color.secondary.opacity(0.25))
+                                    .frame(width: 5, height: 5)
+                            }
+                        }
                     }
                 }
+                .padding(14)
+                .background(Color(.secondarySystemGroupedBackground))
+                .cornerRadius(AppConstants.UI.cornerRadius)
             }
+            .buttonStyle(.plain)
+            .id(insight.id)
+            .transition(.opacity)
         }
-        .padding()
-        .background(Color(.systemBackground))
-        .cornerRadius(AppConstants.UI.cornerRadius)
-        .shadow(color: .black.opacity(0.05), radius: 8, y: 2)
-    }
-
-    private func insightChip(_ insight: PortfolioInsight) -> some View {
-        VStack(alignment: .leading, spacing: 4) {
-            HStack(spacing: 5) {
-                Image(systemName: insight.systemImage)
-                    .font(.caption.weight(.semibold))
-                    .foregroundColor(insight.accentColor)
-                Text(insight.title)
-                    .font(.caption2)
-                    .foregroundColor(.secondary)
-            }
-            Text(insight.value)
-                .font(.subheadline.weight(.semibold))
-                .foregroundColor(.primary)
-                .lineLimit(1)
-        }
-        .padding(.horizontal, 14)
-        .padding(.vertical, 10)
-        .background(insight.accentColor.opacity(0.08))
-        .cornerRadius(12)
-        .overlay(
-            RoundedRectangle(cornerRadius: 12)
-                .stroke(insight.accentColor.opacity(0.2), lineWidth: 1)
-        )
     }
 }