feat: extend comprehensive monthly settlement snapshots (#18)

tests/test_settlement_draft_contract_scenarios.py

@@ -107,7 +107,21 @@ def test_transaction_readiness_is_independent_of_asset_draft_close(tmp_path):
     with sqlite3.connect(path) as c:
         original = c.execute('SELECT * FROM transactions').fetchall()
     d = ok(s.create_settlement_draft('2026-09', 'creator', 'initial', db_path=path))['draft']
-    review = approve(path, d)
+    review = ok(s.review_settlement_draft(d['id'], db_path=path))
+    assert review['totals']['total_assets'] == 100
+    assert not review['complete'] and review['cashflow_blockers']
+    blocked = s.approve_settlement_draft(d['id'], d['version'], review['review_fingerprint'], 'synthetic reviewer', 'reason', 'ref', db_path=path)
+    assert not blocked['success']
+    with sqlite3.connect(path) as c:
+        assert c.execute('SELECT COUNT(*) FROM asset_snapshot_runs').fetchone()[0] == 0
+    policy = {'savings_categories': [], 'category_decisions': [{'category': '미분류', 'subcategory': '', 'cashflow_kind': 'excluded', 'reason': 'synthetic explicit exclusion'}]}
+    updated = s.set_settlement_cashflow_policy(d['id'], d['version'], 'synthetic reviewer', policy, db_path=path)
+    assert updated['success']
+    d = updated['draft']
+    assert d['version'] == 2
+    review = ok(s.review_settlement_draft(d['id'], db_path=path))
+    assert review['complete']
+    ok(s.approve_settlement_draft(d['id'], d['version'], review['review_fingerprint'], 'synthetic reviewer', 'reason', 'ref', db_path=path))
     final = ok(s.finalize_settlement_draft(d['id'], d['version'], review['review_fingerprint'], 'final', db_path=path))
     after = ok(s.get_monthly_settlement_summary('2026-09', db_path=path))
     assert final['totals']['net_worth'] == 100 and after['source_coverage']['assets']['is_closed_snapshot']