docs: record Wave 3 surface consolidation and fold NAS-only whisper into compose

- docs/REFACTOR_WAVE3_REPORT.md and the Wave 3 policy: canonical map,
  production changes, verification and remaining external steps.
- Gap backlog: GAP-BILL-01 resolved; new GAP-BILL-02 (Payple renewal never ran,
  Payple client key never set), GAP-WEB-01 (tunnel host for /app), GAP-OPS-01
  (NAS compose/.env drift), GAP-CI-01, GAP-I18N-02, GAP-TEAM-02.
- design.md: hero loop decision (numbers taken from the app capsule), pricing
  mismatch closed; feature catalog SHELL-11 updated.
- docs/map, release guide and mobile release docs no longer describe the
  deleted wwwroot, binaries, Dockerfile.admin, NAS site copy or .github CI.
- docker-compose.nas.yml gains the d3ro-whisper service that only existed in
  the NAS copy, so the repository file is the complete definition.
- refactor-wave skill: Wave 3 index and lessons P10-P12.

docs/map/09-supabase-backend.md

@@ -47,7 +47,7 @@ Migration numbering referenced in SSOT goes up to `00028`; CI verifies `migratio
 | `send-push` | Push delivery |
 | `account-delete` | Account deletion cascade + provider unlink |
 | `admin-users` / `admin-subscriptions` / `admin-payments` / `admin-audit-log` | Admin operations |
-| `billing-catalog` | Server pricing catalog |
+| `billing-catalog` | Server pricing catalog. Prices/quotas read `PLAN_PRICE_KRW`/`PLAN_QUOTA` from `functions/_shared/core-contract.generated.ts`, generated from `packages/core/src/plan-catalog.ts` by `scripts/ci/sync-core-contract.mjs` (`npm run contract:check` fails on drift; added 2026-09-26, Wave 3, 88f24d8) |
 | `stripe-checkout` / `stripe-portal` / `stripe-webhook` | Stripe billing |
 | `payple-checkout` / `payple-manage` / `payple-renew` / `payple-webhook` | Payple billing (Korea) |
 | `iap-verify` | Google Play / App Store purchase verification |