fix: apply naval academy runtime catch-up on login

[ggmolly]

Summary

• Add naval academy runtime persistence for canteen and merchant levels, renovation windows, and last-collection timestamps.
• Apply login catch-up so oil and coin accrual is granted from stored collection timestamps using level production/store rules.
• Return runtime-backed canteen and merchant levels/timers in the resource info packet with level normalization against available templates.

Changes

• add internal/orm/naval_academy_runtime.go to load/create/save per-commander naval academy runtime state in config storage.
• update internal/answer/playerops/last_login.go to run naval academy catch-up before login state is sent.
• update internal/answer/playerops/resources_info.go to source canteen/merchant levels and renovation timers from runtime state.
• add internal/answer/playerops/naval_academy_runtime.go with template parsing, level clamping, renovation completion handling, and accrual computation that pauses during renovation.
• extend internal/answer/config_handlers_test.go with coverage for runtime-backed timers, level normalization, and login catch-up accrual.

[chatgpt-codex-connector]

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