fix(skattekonto): stop conflating live-call auth failures with "inte anslutet" + surface SKV connection first in tax settings (#887)

The sync endpoint returns 401 for six distinct auth states (handleSkvError):
NOT_CONNECTED, SESSION_EXPIRED, REFRESH_EXHAUSTED, MISSING_SCOPE,
TOKEN_CORRUPTED, TOKEN_REVOKED. The page treated every 401 as "Skatteverket
är inte anslutet" — directly contradicting Inställningar, which reads the
stored token metadata and truthfully shows "Ansluten" for all but the first.

- syncNow now checks the structured error code: only NOT_CONNECTED flips to
  the not-connected empty state. Every other auth failure renders the
  server's actual Swedish message as a persistent banner with an "Anslut
  igen" CTA, keeping the stored saldo/transactions visible.
- SkatteverketConnectPanel moves to the top of /settings/tax — the
  skattekonto and momsdeklaration pages send users there specifically to
  (re)connect, and below the tax form it sat out of view.

Co-authored-by: Claude Fable 5 <noreply@anthropic.com>

app/(dashboard)/skattekonto/page.tsx

@@ -67,6 +67,10 @@ export default function SkattekontoPage() {
   const [bookingId, setBookingId] = useState<string | null>(null)
   const [notConnected, setNotConnected] = useState(false)
   const [loadError, setLoadError] = useState(false)
+  // Set when a sync fails with an auth error while a connection exists
+  // (expired session, missing scope, revoked token). Rendered as a banner —
+  // the stored data below stays visible and usable.
+  const [reconnectMessage, setReconnectMessage] = useState<string | null>(null)
   const [matchOpenFor, setMatchOpenFor] = useState<StoredSkattekontoTransaction | null>(
     null,
   )
@@ -122,12 +126,28 @@ export default function SkattekontoPage() {
       })
       const json = await res.json()
       if (!res.ok) {
+        // 401 covers several distinct auth states (see handleSkvError in the
+        // skatteverket extension). Only NOT_CONNECTED means "no connection
+        // exists" — the rest (SESSION_EXPIRED, MISSING_SCOPE, TOKEN_REVOKED,
+        // …) fire while Inställningar truthfully shows the stored token as
+        // "Ansluten". Showing the full "inte anslutet"-tomvy for those
+        // contradicts the settings panel; show the server's actual reason
+        // with a reconnect CTA instead.
         if (res.status === 401) {
-          setNotConnected(true)
+          if (json.code === 'NOT_CONNECTED') {
+            setNotConnected(true)
+          } else {
+            setReconnectMessage(
+              typeof json.error === 'string' && json.error
+                ? json.error
+                : 'Anslutningen mot Skatteverket behöver förnyas. Anslut igen med BankID.',
+            )
+          }
           return
         }
         throw new Error(json.error || 'Synk misslyckades')
       }
+      setReconnectMessage(null)
       toast({
         title: 'Skattekonto synkroniserat',
         description: `${json.data.booked} bokförda, ${json.data.upcoming} kommande`,
@@ -292,6 +312,21 @@ export default function SkattekontoPage() {
         }
       />
 
+      {reconnectMessage && (
+        <div className="flex flex-wrap items-center justify-between gap-3 rounded-lg border border-destructive/20 bg-destructive/5 px-4 py-3">
+          <div className="flex items-center gap-3">
+            <AlertCircle className="h-4 w-4 shrink-0 text-destructive" />
+            <p className="text-sm">{reconnectMessage}</p>
+          </div>
+          <Button asChild variant="outline" size="sm">
+            <Link href="/settings/tax">
+              <ExternalLink className="mr-2 h-3.5 w-3.5" />
+              Anslut igen
+            </Link>
+          </Button>
+        </div>
+      )}
+
       <BalanceHero saldo={saldo} loading={loading} onCopyOcr={copyOcr} />
 
       <Card>

components/settings/sections/TaxSettingsContent.tsx

@@ -77,11 +77,14 @@ export function TaxSettingsContent() {
 
   return (
     <div className="space-y-8">
+      {/* Connection panel first: the skattekonto and momsdeklaration pages
+          send users here specifically to (re)connect — below the long tax
+          form it sat out of view. */}
+      {showSkatteverket && <SkatteverketConnectPanel />}
+
       <SettingsFormWrapper onSave={handleSave} className="space-y-0">
         <TaxSettingsForm settings={settings} />
       </SettingsFormWrapper>
-
-      {showSkatteverket && <SkatteverketConnectPanel />}
     </div>
   )
 }