feat(matching): annuity-based fit-out cost in score + fix unapplied DQ/confidence modifiers

Mieterausbau / fit-out economics — surface true total cost of occupancy:
- Annuity calc (annuityFactor + effectiveAnnualBurdenPerSqm) replaces straight-line ÷5; FITOUT_ANNUITY_RATE=5%
- New hardFacts.fitOutByLandlord: "Wer baut aus?" toggle in NewListing — landlord-borne fit-out is priced into rent (no surcharge), tenant-borne SHELL/BASIC adds annuitized cost minus MAB
- scoreBudget now compares effective annual burden (rent + fit-out annuity) vs budget instead of cold rent only; FULL/PREMIUM and landlord-borne unchanged
- FitOutCostPanel + CompareTableBody compute annuitized, tenant-aware burden
- Central FIT_OUT_LABELS with industry/international vocabulary (Rohbau·Core&Shell, Edelrohbau·CAT A, etc.)
- Activate existing generateFitOutAdvice via useFitOutAdvice hook + new FitOutAdvicePanel (MIETERAUSBAU/BKZ/MAB-Amortisation + negotiation tip), shown for tenant-borne SHELL/BASIC
- MAB field only asked when tenant builds out (optional) — one new toggle, no extra data burden for property managers

Fix: DQ/confidence modifiers were computed but never applied to finalScore (hardcoded 0 in output) — now folded into rawFinal and exposed. Trust-first: weak data quality lowers the score. Resolves 3 pre-existing red tests.

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

src/lib/constants.ts

@@ -142,3 +142,15 @@ export const FIT_OUT_COST_CHF_PER_SQM: Record<string, { min: number; max: number
 
 // Assumed amortization period for fit-out investment — change here to affect all cost calculations
 export const FITOUT_AMORTIZATION_YEARS = 5
+
+// Kalkulationszins p.a. für die annuitätische Amortisation der Ausbauinvestition (Schweizer Richtwert)
+export const FITOUT_ANNUITY_RATE = 0.05
+
+// Zentrale Ausbaustandard-Labels — branchenüblich + internationale Synonyme (CAT A/B, Core & Shell).
+// Single Source of Truth für Dropdown, Panel, Score, Vergleich.
+export const FIT_OUT_LABELS: Record<string, string> = {
+  SHELL:   'Rohbau · Core & Shell',
+  BASIC:   'Edelrohbau · CAT A',
+  FULL:    'Ausgebaut · CAT B',
+  PREMIUM: 'Vollausgebaut · Plug & Play',
+}