Keep money mattering at the top, and fix the instruments that hid it

Both settings now carry a charge levied by standing itself, which no purchase
ends. Corporate Ladder's steps on money (1200/-60, 2400/-120, 3600/-240): a flat
charge cannot flatten a slope, since late income scales with how well the player
plays, and the flat charge needed to stop an optimiser accumulating put ordinary
archetypes below zero for 44% of a run. Stepped, the balance settles around
$4,250 and ordinary play comes out better than before it existed. The Frontier's
is flat at -4 a run, because its late game never accumulated in the first place.

Found in the first two human sessions of this work:

- A career saved before a pack gained a stat had no path for it, and conditions
  compare numbers only, so every event, option and upkeep entry gated on a new
  stat silently did not exist for that run. Loading now fills those in.
- 'Wrap up my career' sat immediately after the last option in tab order, so one
  Tab too many and Enter read as the game ending at day 31. It goes last, and
  the retrospective says plainly that it is a summary.
- A 181-turn session ran against a stale bundle and the change under test never
  fired. Every logged turn now records app_version and build.
- src/version.js had reported 0.3.0 since 0.3.0, while playtesters were told to
  check the status bar. A test now holds it to package.json.
- 'Put money against the book' was shown locked to a player who owed nothing,
  six times. Options gated on a state the player cannot choose to enter are now
  hidden rather than greyed.

Co-Authored-By: Claude Opus 5 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_01RxdJFbLq1rBKsUeticGV1g

content/frontier/events/routine.js

@@ -299,6 +299,12 @@ export const routine = [
       {
         id: 'pay_down',
         label: 'Put money against the book.',
+        // Hidden rather than greyed out when there is nothing owed. A locked
+        // door is worth showing when it is a door the player could open later
+        // by playing differently; "pay down what you owe" shown to a man who
+        // owes nothing is not that. It was the most-locked option in a real
+        // 181-turn session, six times, and told the player nothing each time.
+        whenLocked: 'hide',
         requires: [
           { path: 'owed', op: '>', value: 0 },
           { path: 'money', op: '>=', value: 20 },