fix(shell): daemon-start and health-poll auth handling; policy panel freshness

Review follow-ups on the auth-status work:

- Both daemon-start paths classified an auth-rejected hub as "daemon
  dead" via healthy() and showed a start-failure dialog while the
  shell banner above correctly blamed the token. They now share
  daemonAnswers(): only an unreachable probe counts as down.
- An auth-rejected poll now re-reads ~/.chain/hub-auth-token and
  reconnects when the file changed, so a token fixed outside Studio
  (CLI, editor) heals the connection without a restart — previously
  the client kept the stale in-memory token forever and the banner's
  own advice could not work.
- An endpoint switch resets the failure streak, so a stale in-flight
  probe can no longer let the unreachable banner blame the new
  endpoint for the old one's misses.
- The auth-policy panel re-queries when the hub token is saved or
  cleared in the panel above (reloadTick), instead of keeping a
  stale admin-denied hint; it also renders the hub's new
  reload_required flag as a pending-reload warning (DE+EN).
- today-pipeline.md still documented ~/.fai/today after the rename;
  the FAB theme comment now states the both-themes intent.

flutter analyze clean; 71 tests green including four new ones.

Signed-off-by: flemming-it <stefan.a.flemming@googlemail.com>

lib/l10n/app_localizations.dart

@@ -2654,6 +2654,12 @@ abstract class AppLocalizations {
   /// **'No tokens configured — the hub accepts anonymous calls. Fine for local work; configure tokens in ~/.chain/config.yaml for production.'**
   String get authPolicyAnonymous;
 
+  /// No description provided for @authPolicyReloadRequired.
+  ///
+  /// In en, this message translates to:
+  /// **'The config file (or an environment variable) changed after loading — the hub still enforces the previous state. Use “Reload” below to apply the change.'**
+  String get authPolicyReloadRequired;
+
   /// No description provided for @authPolicyNeedsAdmin.
   ///
   /// In en, this message translates to: