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-per-member.cjs

@@ -5,6 +5,7 @@
 // own trigger; the owner's own separate Wassiyah is not visible to the
 // member as "theirs" (proves per-author isolation, not just per-family).
 const { chromium } = require('playwright');
+const { gotoTab } = require('./e2e-auth-helper.cjs');
 const BASE = 'https://moslem04.falahos.my/';
 const results = [];
 function record(name, pass, detail = '') { results.push({ name, pass, detail }); console.log(`${pass ? 'PASS' : 'FAIL'}  ${name}${detail ? '  — ' + detail : ''}`); }
@@ -34,7 +35,7 @@ async function main() {
   await ownerPage.locator('button.btn-primary', { hasText: 'Create family' }).click();
   await ownerPage.waitForTimeout(1200);
 
-  await ownerPage.locator('nav button[aria-label="Family"]').click();
+  await gotoTab(ownerPage, 'Manage');
   await ownerPage.waitForTimeout(500);
   await ownerPage.locator('.field:has-text("Invite by email") input').fill(MEMBER);
   await ownerPage.locator('.field:has-text("Role") select').selectOption('member');
@@ -47,7 +48,7 @@ async function main() {
   record('Owner: invites both a member and an agent', bothInvited);
 
   // Owner writes their OWN wassiyah bequest (should stay private to owner)
-  await ownerPage.locator('nav button[aria-label="Wassiyah"]').click();
+  await gotoTab(ownerPage, 'Wassiyah');
   await ownerPage.waitForTimeout(600);
   await ownerPage.locator('.form-card .field:has-text("Recipient name") input').fill('Owner Charity');
   await ownerPage.locator('.form-card .field:has-text("Relation to you") input').fill('charity');
@@ -64,9 +65,9 @@ async function main() {
   const inviteVisible = await inviteRow.waitFor({ state: 'visible', timeout: 10000 }).then(() => true).catch(() => false);
   record('Member: sees pending invite', inviteVisible);
   await inviteRow.locator('.btn-small', { hasText: 'Accept' }).click();
-  await memberPage.locator('nav button[aria-label="Coverage"]').waitFor({ state: 'visible', timeout: 10000 });
+  await memberPage.locator('.hub-tab[aria-label="Home"]').waitFor({ state: 'visible', timeout: 10000 });
 
-  await memberPage.locator('nav button[aria-label="Wassiyah"]').click();
+  await gotoTab(memberPage, 'Wassiyah');
   await memberPage.waitForTimeout(600);
   const ownerBequestVisibleToMember = await memberPage.locator('.bequest-row', { hasText: 'Owner Charity' }).isVisible().catch(() => false);
   record('Member: does NOT see owner\'s private bequest (per-author isolation)', !ownerBequestVisibleToMember);
@@ -88,14 +89,14 @@ async function main() {
   const agentInviteVisible = await agentInviteRow.waitFor({ state: 'visible', timeout: 10000 }).then(() => true).catch(() => false);
   if (agentInviteVisible) {
     await agentInviteRow.locator('.btn-small', { hasText: 'Accept' }).click();
-    await agentPage.locator('nav button[aria-label="Coverage"]').waitFor({ state: 'visible', timeout: 10000 });
+    await agentPage.locator('.hub-tab[aria-label="Home"]').waitFor({ state: 'visible', timeout: 10000 });
   } else {
     // Agent may already belong to many families from prior test runs — switch to this one via Family tab
-    await agentPage.locator('nav button[aria-label="Family"]').click().catch(() => {});
+    await gotoTab(agentPage, 'Manage').catch(() => {});
   }
   record('Agent: accepts mutawalli invite', agentInviteVisible);
 
-  await agentPage.locator('nav button[aria-label="Mutawalli"]').click();
+  await gotoTab(agentPage, 'Mutawalli');
   await agentPage.waitForTimeout(800);
   const memberChipVisible = await agentPage.locator('.member-chip', { hasText: MEMBER }).isVisible().catch(() => false);
   record('Mutawalli dashboard: shows the member in the chip list', memberChipVisible);