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/v2/phase-V2-5-mac-guide.md

@@ -2,6 +2,7 @@
 
 > 본인 Mac에서 D3RO Voice를 dev 실행하거나 dist(.dmg/.zip) 빌드하기 위한 단계별 가이드.
 > Windows에서 작성된 코드는 V2-5에서 모든 플랫폼 분기를 추가했습니다 — Mac에서는 별도 코드 수정 없이 아래 단계만 따르면 됩니다.
+> 2026-09-26: `.github/workflows`는 삭제되었고 CI는 `.forgejo/workflows`가 정본이다 — 아래 `9. CI 빌드 (GitHub Actions)` 절은 작성 시점의 스냅샷이다.
 
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