feat: close 3 more competitive gaps — recommendations engine, multi-madhab Faraid, draft will PDF

Closes 3 of the remaining 4 gaps from the competitive benchmark:

- Coverage Dashboard now has a rule-based recommendations engine
  (recommendations.js) surfacing plain-language next steps from data
  already in the app — exposed assets, missing Wassiyah, unverified
  assets, unlinked liabilities, missing insurance/Zakat setup,
  insufficient attestors, no agent assigned, no Waqf configured.

- Faraid Calculator gains a madhab selector (Shafi'i/Hanafi/Maliki/
  Hanbali) encoding the one well-documented divergence this engine's
  existing rules touch: whether radd extends to a sole-heir spouse
  (Hanafi: yes; Shafi'i/Maliki/Hanbali: no, residue unallocated).
  Ja'fari (Shia) is honestly gated as unsupported rather than silently
  computed with Sunni rules, since it's a structurally different
  classification system, not a parameter tweak. faraid.test.js grows
  from 14 to 17 cases covering the divergence and the gating.

- Wassiyah tab gains a 'Generate draft will document' button producing
  a formatted, statutory-style DRAFT will (declaration/revocation,
  executor appointment, bequest schedule, witness attestation blocks)
  via browser print-to-PDF — no new PDF dependency. Clearly watermarked
  'DRAFT — NOT EXECUTED, requires physical signing and witnessing.'
  Not a claim of legal validity, a lawyer-reviewable starting point.

The 4th gap (human-in-the-loop professional tier) remains open — out
of scope for a self-serve prevention tool. COMPETITIVE_BENCHMARK.md
updated to reflect closed/partially-closed status on each item.

Covered by e2e-gaps-round2.cjs (14/14) plus 3 new faraid.test.js cases.
Full regression: 226/226 across all suites.

COMPETITIVE_BENCHMARK.md

@@ -45,21 +45,30 @@ differentiators:
 - **Coverage %, genealogy tree, insurance/liabilities, asset verification** — this granularity
   does not exist anywhere else in the set.
 
-## Gaps to close
+## Gaps — status
 
-1. **No legally-filable Will output.** The single biggest gap — every commercial competitor's
-   core deliverable is a document that can be taken to a lawyer/court/Amanah Raya. Nur Falah
-   generates coverage data and "execution packets," not a notarizable legal instrument.
-2. **No Zakat calculator.** Increasingly table-stakes for this category (Rafiq's core pitch),
-   and a natural extension of the existing Asset Registry.
-3. **Single madhab assumption.** The Faraid calculator doesn't expose or let a user pick a
-   school of jurisprudence — Rafiq's explicit 5-school support is a credibility signal worth
-   matching for a global (not just Malaysia) audience.
-4. **No human-in-the-loop / professional tier.** Every competitor pairs software with a lawyer
-   or consultant.
-5. **No AI guidance layer.** Legacy Logic's "personalized report" and Rafiq's contextual
-   coaching both nudge users toward gaps in plain language; Nur Falah's Coverage Dashboard shows
-   the gap but doesn't recommend what to do about it beyond static info panels.
+1. **Legally-filable Will output — partially closed.** Wassiyah tab now generates a formatted,
+   statutory-style DRAFT will document (declaration/revocation, executor appointment, bequest
+   schedule, witness attestation blocks) via a print-to-PDF flow, clearly watermarked "DRAFT —
+   NOT EXECUTED." This is a real time-saver for a lawyer to review and finalize, not a claim
+   that the app produces a legally executed document — that still requires physical signing,
+   witnessing, and jurisdiction-specific legal review. A fully legally-valid, notarized/filed
+   output remains out of scope.
+2. **Zakat calculator — closed.** New per-member Zakat tab: Nisab check + 2.5% on cash, gold,
+   silver, business assets, and investments, minus deductible liabilities.
+3. **Single madhab assumption — partially closed.** Faraid calculator now has a madhab
+   selector (Shafi'i/Hanafi/Maliki/Hanbali) encoding the one well-documented divergence this
+   engine's rules actually touch — whether radd (return of residue) extends to a sole-heir
+   spouse. Ja'fari (Shia) is deliberately gated as unsupported rather than silently computed
+   with Sunni rules, since it uses a structurally different classification system, not a
+   parameter tweak.
+4. **No human-in-the-loop / professional tier — open.** Every competitor pairs software with a
+   lawyer or consultant; Nur Falah remains self-serve only.
+5. **AI guidance layer — closed.** Coverage Dashboard now surfaces a rule-based
+   recommendations list (exposed assets, missing Wassiyah, unverified assets, unlinked
+   liabilities, no insurance logged, no Zakat set up, insufficient attestors, no agent
+   assigned, no Waqf configured) — every recommendation traces to a concrete fact already in
+   the app's data, not a generated guess.
 
 ## Sources