refactor: restructure navigation into 5 grouped hubs, off the 22-item flat strip

Implements the researched IA fix: mobile nav UX consensus caps primary
destinations at 4-5 (uxpin.com, fintech/banking 2026 UX research), and
this app had grown to 22 tabs in one horizontally-scrolling row —
exactly the anti-pattern that research flags for choice paralysis and
slower task completion.

New structure — 5 bottom-nav hubs, grouped by what the user is actually
trying to do, not build order:
- Home: Coverage (unchanged, still the landing screen)
- Estate: Assets, Faraid, Insurance, Wassiyah, Hibah, Family Waqf,
  Nominate, Claims (H2)
- Giving: Zakat, Sadaqah, Khairat
- Family: Tree, Trigger, Mutawalli, Manage (was 'Family', renamed to
  avoid colliding with the hub's own label), Neighbourhood
- Daily: Prayer Times, Qibla, Quran, Locate

Each hub reveals its own sub-nav one tap in, instead of every tab
competing for space in a single row. Settings moved out of the tab
strip entirely into a header gear icon, matching the banking-app pattern
of keeping settings out of primary thumb-reach real estate. The bottom
nav is now fixed (thumb-zone), sub-nav keeps the old sticky-top position.

Cross-component navigation (nav.js requestedTab, used by the Family
Tree's 'give sadaqah in memory' link) now resolves a tab label to its
owning (hub, sub-tab) pair instead of a flat index — verified live.

This touches every E2E suite: a single click on a tab's old selector no
longer reaches it (hub, then sub-tab). Added a shared gotoTab(page, label)
helper to e2e-auth-helper.cjs encapsulating the two-step navigation, and
migrated all ~22 affected test files off direct nav-button selectors —
mechanical substitution followed by manual fixes for local clickTab
wrappers, template-literal selectors, and active-state assertions that
needed to target the new .hub-tab/.subnav structure specifically.

Full regression after migration: every suite passes (one isolated
Family Tree flake confirmed clean on rerun, unrelated to navigation).

e2e-gaps-round2.cjs

@@ -3,7 +3,7 @@
 // madhab selector (including honest Ja'fari gating), and the Wassiyah tab's
 // draft will document generator.
 const { chromium } = require('playwright');
-const { signInFreshFamily } = require('./e2e-auth-helper.cjs');
+const { signInFreshFamily, gotoTab } = require('./e2e-auth-helper.cjs');
 const BASE = 'https://moslem04.falahos.my/';
 const results = [];
 const consoleErrors = [];
@@ -28,14 +28,14 @@ async function main() {
   record('Coverage: flags missing estate agent/mutawalli', noAgentRec);
 
   // Add an asset to trigger the exposed-asset recommendation
-  await page.locator('nav button[aria-label="Assets"]').click();
+  await gotoTab(page, 'Assets');
   await page.waitForTimeout(500);
   await page.locator('.form-card .field:has-text("Description") input').fill('Savings account');
   await page.locator('.form-card .field:has-text("Estimated value") input').fill('50000');
   await page.locator('.form-card button.btn-primary', { hasText: 'Add asset' }).click();
   await page.waitForTimeout(1000);
 
-  await page.locator('nav button[aria-label="Coverage"]').click();
+  await gotoTab(page, 'Coverage');
   await page.waitForTimeout(800);
   const exposedRec = await page.locator('.rec-row', { hasText: 'exposed to the slow' }).isVisible().catch(() => false);
   record('Coverage: flags exposed asset once one is logged', exposedRec);
@@ -43,7 +43,7 @@ async function main() {
   record('Coverage: flags missing Wassiyah once estate has value', wassiyahRec);
 
   // ── Faraid Calculator: madhab selector ──
-  await page.locator('nav button[aria-label="Faraid"]').click();
+  await gotoTab(page, 'Faraid');
   await page.waitForTimeout(500);
   const madhabSelectVisible = await page.locator('.field:has-text("Madhab") select').isVisible().catch(() => false);
   record('Faraid: madhab selector is present', madhabSelectVisible);
@@ -72,7 +72,7 @@ async function main() {
 
   // ── Wassiyah: draft will document generator ──
   await page.locator('.field:has-text("Madhab") select').selectOption('shafii'); // reset, avoid cross-test pollution
-  await page.locator('nav button[aria-label="Wassiyah"]').click();
+  await gotoTab(page, 'Wassiyah');
   await page.waitForTimeout(500);
   await page.locator('.field:has-text("Full legal name") input').fill('Ahmad bin Ismail');
   await page.locator('.field:has-text("Recipient name") input').fill('Nur Charity Foundation');