fix: address settlement display and documentation review findings

Rework Issue 18 / PR 19, source review 76: C11-F01 and D02-F02/D03-F03/D04-F04. Preserve the approved contract and add named display, schema, policy, ownership and signature regressions.

dashboard/page_views/settlement_drafts.py

@@ -210,7 +210,13 @@ def render_settlement_drafts(db_path: str | None = None, month: str = "") -> Non
         items_cf = review.get("cashflow_items", [])
         if isinstance(items_cf, list): st.dataframe([{k: row.get(k) for k in ("cashflow_kind", "category", "subcategory", "amount", "transaction_count", "currency")} for row in items_cf if isinstance(row, dict)])
         blockers = review.get("cashflow_blockers", [])
-        for blocker in blockers if isinstance(blockers, list) else []: st.warning(str(blocker.get("code", "cashflow_blocked")) if isinstance(blocker, dict) else "현금흐름 블로커")
+        for blocker in blockers if isinstance(blockers, list) else []:
+            if isinstance(blocker, dict):
+                transaction_id = blocker.get("transaction_id")
+                reason = blocker.get("reason")
+                st.warning(f"거래 {transaction_id if isinstance(transaction_id, str) else '-'} · {reason if isinstance(reason, str) else '현금흐름 블로커'}")
+            else:
+                st.warning("현금흐름 블로커")
         st.write("누락", review.get("missing_items", []))
         if review.get("contains_substitutions"):
             st.warning("대체 평가자료를 포함한 월정산")