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/v3/MOBILE_PRODUCTIZATION_HANDOFF_2026-08-21.md

@@ -7,6 +7,7 @@
 > 2026-08-21 Git 기준선: `main` @ `a9c9a1ca6efdfc83ae7a12a0c1f2a05f15ef9138` (역사 증거, 현재 release SHA 아님)
 > release identity: version `1.1.0`, Android versionCode / iOS build `1010001`
 > 판정: **내부 기능·local upload/evidence key·AdMob identity는 준비됐지만 production AAB·Firebase·CI secret 주입·closed test가 없어 Play 출시는 RED**
+> 2026-09-26: `.github/workflows`는 삭제되었고 CI는 `.forgejo/workflows`가 정본이다 — 아래 `.github/workflows` 언급은 작성 시점의 스냅샷이다.
 
 ## 0. 2026-08-29 release readiness 스냅샷