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/phases/phase-7.md

@@ -1,5 +1,7 @@
 # Phase 7: 테스트 + 빌드 + 배포
 
+> 2026-09-26: `.github/workflows`는 삭제되었고 CI는 `.forgejo/workflows`가 정본이다 — 아래 `7.9 CI/CD (GitHub Actions)` 절은 최초 계획 시점의 스냅샷이다.
+
 ## 목표
 테스트 커버리지를 확보하고, 프로덕션 빌드/패키징 파이프라인을 구축하여 Windows 설치 파일을 생성한다. CI/CD를 설정하여 자동 빌드 및 배포를 가능하게 한다.