Fix causa raíz de taps muertos en Charts iPad: AppBackground interceptaba toques (build 50)

El círculo decorativo de AppBackground (70% del ancho del panel, offset -35%)
se desborda de su panel por diseño y en layouts side-by-side queda flotando
SOBRE el sidebar de Charts. Las shapes de SwiftUI participan en hit-testing por
defecto y el panel derecho va después en el HStack → cada tap en la zona del
sidebar cubierta por el círculo moría en silencio. El patrón lo delató: fallaban
Overview + Analyze (arriba, bajo el círculo) y funcionaban Risk + Forecast
(abajo). Dependía de la geometría (orientación/tamaño), por eso no reproducía
en el simulador en portrait.

- AppBackground: .allowsHitTesting(false) — un fondo decorativo jamás debe
  interceptar toques (fix global: aplica también a Sources/Journal en iPad)
- Panel de detalle de Charts: .clipped() para que la decoración tampoco PINTE
  sobre el sidebar
- Selección premium nunca se bloquea: los charts premium se seleccionan y
  muestran teaser de desbloqueo en el área del chart (chart_locked_* ×7 idiomas);
  el paywall se presenta desde el botón (contexto fiable)
- UITests: testChartSidebarSelection ahora corre en landscape (geometría que
  reproducía el bug) + testChartSelectionWithoutPremium nuevo; --no-premium
  en ScreenshotMode para testear la experiencia free

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

PortfolioJournalUITests/PortfolioJournalUITests.swift

@@ -193,6 +193,9 @@ final class PortfolioJournalUITests: XCTestCase {
     /// Charts sidebar must actually switch the chart — taps on the old custom tiles
     /// were unreliable on iPad. Also verifies the Rolling 12M period filter reacts.
     func testChartSidebarSelection() throws {
+        // Landscape reproduces the decorative-background overlay geometry that
+        // killed sidebar taps (AppBackground circle overflowing its panel).
+        XCUIDevice.shared.orientation = .landscapeLeft
         let capture = XCUIApplication()
         capture.launchArguments = ["--screenshots"]
         capture.launch()
@@ -257,6 +260,55 @@ final class PortfolioJournalUITests: XCTestCase {
         }
     }
 
+    /// Regression (1.4.2): WITHOUT premium, tapping a premium chart must still
+    /// select it and show the unlock teaser — blocking selection behind a paywall
+    /// sheet made premium tiles look completely dead on non-premium devices.
+    func testChartSelectionWithoutPremium() throws {
+        let capture = XCUIApplication()
+        capture.launchArguments = ["--screenshots", "--no-premium"]
+        capture.launch()
+        Thread.sleep(forTimeInterval: 4.0)
+
+        let springboard = XCUIApplication(bundleIdentifier: "com.apple.springboard")
+        let denyButton = springboard.alerts.buttons["Don't Allow"]
+        if denyButton.waitForExistence(timeout: 3) {
+            denyButton.tap()
+            Thread.sleep(forTimeInterval: 1.0)
+        }
+
+        let tabBar = capture.tabBars.firstMatch
+        if tabBar.exists && tabBar.buttons["Charts"].exists {
+            tabBar.buttons["Charts"].tap()
+        } else {
+            capture.staticTexts["Charts"].firstMatch.tap()
+        }
+        Thread.sleep(forTimeInterval: 2.0)
+
+        // Premium chart: must select and show the unlock teaser (not a dead tap)
+        let allocationRow = capture.staticTexts["Allocation"].firstMatch
+        XCTAssertTrue(allocationRow.waitForExistence(timeout: 5), "Allocation row not found in sidebar")
+        allocationRow.tap()
+        Thread.sleep(forTimeInterval: 2.0)
+
+        let shot = XCTAttachment(screenshot: capture.screenshot())
+        shot.name = "charts_allocation_locked"
+        shot.lifetime = .keepAlways
+        add(shot)
+
+        XCTAssertTrue(
+            capture.buttons["Unlock Premium"].firstMatch.waitForExistence(timeout: 5),
+            "Premium chart tap did not select the chart / show the unlock teaser"
+        )
+
+        // The unlock button must present the paywall
+        capture.buttons["Unlock Premium"].firstMatch.tap()
+        Thread.sleep(forTimeInterval: 2.0)
+        let paywallShot = XCTAttachment(screenshot: capture.screenshot())
+        paywallShot.name = "charts_paywall"
+        paywallShot.lifetime = .keepAlways
+        add(paywallShot)
+    }
+
     /// Captures full-screen screenshots of the main tabs with demo data for App Store
     /// marketing. Launches the app in `--screenshots` mode (onboarding/lock skipped,
     /// SampleDataService seeded). Language can be driven via the SCREENSHOT_LANG env var