feat(mcp): ask the bank first: connect link deep-starts the named bank's consent (#1951)

* feat(mcp): ask the bank first: connect link deep-starts the named bank's consent

The connect card used to open the generic picker page; the user then chose
the bank there. The agent now asks 'vilken bank har företaget?' among the
opening questions and passes it to gnubok_connect_bank, whose connect_url
becomes /import?mode=psd2&bank=<name>. BankSelector resolves the name
(exact, then unique prefix, then unique substring: ambiguous names fall
back to the prefilled picker rather than guessing an institution) and
auto-starts that bank's consent through the same onConnect handler, so
the duplicate-pending and renew-instead guards stay fully interactive.
The param is stripped via history.replaceState after the one-shot so an
aborted bank flow plus back-navigation does not silently relaunch.

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>

* fix(mcp): first-year suggestion keeps the AB vs enskild firma distinction

Compliance-review finding on #1949: the suggestion text collapsed both
forms onto a 31 December end. Only an enskild firma's first year MUST end
31 December; an AB may pick any end within BFL 3 kap 3 §'s 18-month cap,
with 31 December as the common default. The lookup tool's still_to_ask
line and the skill now say so explicitly, and first-year-defaults
documents that fiscalYear-null is a strong-not-perfect filed-report
signal that must only ever feed confirm-question suggestions.

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>

---------

Co-authored-by: Jakob Wennberg <311770904+jakobwennberg-oss@users.noreply.github.com>
Co-authored-by: Claude Fable 5 <noreply@anthropic.com>

lib/company/first-year-defaults.ts

@@ -28,6 +28,12 @@ export function parseStartMonthDay(value: string | null | undefined): number | n
  * first year to run up to 18 months (no minimum). The 12-month floor alone
  * missed exactly the extended-first-year companies the signal exists for
  * (Arcim, registered 13 months before onboarding, first year to 31 Dec).
+ *
+ * `noClosedPeriod` comes from TIC's `fiscalYear` being null, which is
+ * derived from `mostRecentFinancialSummary` (the latest filed report): a
+ * strong but not perfect signal (a filed report can lag in the data).
+ * Acceptable because every consumer only feeds a confirm-question
+ * suggestion; never auto-set first_fiscal_year from this.
  * Returns both the toggle state and a seeded `first_year_start` (always the
  * 1st of the registration month, the format the date inputs expect).
  *