Per-loan lock recommendation on the lock desk

Shipped: July 17, 2026 at 4:33 AM UTC
Author: kamo
Commit: d194d7e

Surfaces the RCE lock-vs-wait recommendation (Lock / Lock-with-steward-override / Do-not-lock) with rationale + a 'model uncalibrated -> steward decides' note when cold-start-clamped. Read-only; the commit stays the human action.

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