Opencode Packet S1 created: KPS settlement backend extraction

BLUF: Added a manual-opencode work packet for moving KPS incentive wallet allocation from frontend-only React state into the Go backend.

Created:

• /home/tlswk/projects/callcenter-os/docs/opencode-packets/2026-07-08-packet-s1-kps-settlement-backend.md

Updated:

• /home/tlswk/projects/callcenter-os/README.md

Packet scope:

• Target repo: /home/tlswk/projects/kps-estimate
• Add backend-go/internal/settlement package and tests.
• Add POST /api/settlement/draft.
• Do not touch frontend, Mattermost Boards, migrations, deploy, or SMS/companion work.
• Preserve existing dirty work in kps-estimate.

Acceptance:

• Wallet pool formula matches QuickQuote.tsx.
• Over-allocation cannot pass server validation.
• Draft endpoint recomputes quote via pricing.Compute.
• Targeted Go tests pass or unrelated dirty-work failures are clearly reported.

Validation:

• Markdown fences balanced for packet and README.

Manual opencode prompt: cd /home/tlswk/projects/kps-estimate && read /home/tlswk/projects/callcenter-os/docs/opencode-packets/2026-07-08-packet-s1-kps-settlement-backend.md and implement exactly that scope.