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>

test/hub_banner_test.dart

@@ -33,6 +33,7 @@ Future<void> _pumpShell(WidgetTester tester) async {
 void main() {
   tearDown(() {
     StudioShellState.debugProbeOverride = null;
+    StudioShellState.debugReloadTokenOverride = null;
   });
 
   testWidgets('sustained auth rejection points at the token, not the wire',
@@ -60,4 +61,40 @@ void main() {
     expect(find.textContaining("Can't reach"), findsOneWidget);
     expect(find.textContaining('rejected the sign-in'), findsNothing);
   });
+
+  testWidgets('auth-rejected poll re-reads the token file and re-probes',
+      (tester) async {
+    // First probe(s) rejected; after the token file "changes" the
+    // immediate re-probe serves — the operator fixed the token via
+    // CLI/editor and Studio healed without waiting a poll cycle.
+    var probes = 0;
+    var reloads = 0;
+    StudioShellState.debugProbeOverride = () async {
+      probes++;
+      return reloads > 0 ? HubProbeResult.serving : HubProbeResult.authRejected;
+    };
+    StudioShellState.debugReloadTokenOverride = () async {
+      reloads++;
+      return true; // token file content changed → reconnected
+    };
+    await _pumpShell(tester);
+
+    expect(reloads, greaterThanOrEqualTo(1));
+    // The self-heal re-probe ran within the same tick (probes >
+    // reloads means at least one immediate retry happened) and the
+    // banner never surfaces.
+    expect(probes, greaterThan(reloads));
+    expect(find.textContaining('rejected the sign-in'), findsNothing);
+    expect(find.textContaining("Can't reach"), findsNothing);
+  });
+
+  testWidgets('daemonAnswers treats auth-rejected as alive', (tester) async {
+    StudioShellState.debugProbeOverride =
+        () async => HubProbeResult.authRejected;
+    expect(await StudioShellState.daemonAnswers(), isTrue);
+
+    StudioShellState.debugProbeOverride =
+        () async => HubProbeResult.unreachable;
+    expect(await StudioShellState.daemonAnswers(), isFalse);
+  });
 }