fix(ai): background generation cannot spend the interactive day

The automatic generators — status and reference cards, the briefing, the
arrival reaction, the nudge, document summaries and the index backfill —
reserved against the same ceiling as the chat. On the operator's account
that meant 150-330 ledger rows a day, 172 metric generations before
06:42Z, and a ceiling already spent when he opened the chat.

Every background surface now reserves through
`resolveDailyCapFor("job", chain)`: half the cost owner's ceiling, all
job surfaces together. The interactive routes keep the whole ceiling, so
a day of background work can no longer take the user's own away.

src/lib/documents/__tests__/auto-stage-labs.test.ts

@@ -32,6 +32,7 @@ vi.mock("@/lib/ai/coach/budget", () => ({
   buildDateKey: vi.fn(() => "2026-07-16"),
   reserveBudget: vi.fn(),
   reconcileSpend: vi.fn().mockResolvedValue(undefined),
+  resolveDailyCapFor: vi.fn(() => 100_000),
 }));
 vi.mock("@/lib/ai/ai-budgets", () => ({
   AI_BUDGETS: { ocrExtractText: { temperature: 0, maxTokens: 2000 } },
@@ -99,6 +100,8 @@ beforeEach(() => {
     allowed: true,
     reserved: 10,
     totalAfter: 10,
+    owner: "operator",
+    operatorAfter: 10,
   } as Awaited<ReturnType<typeof reserveBudget>>);
   mockExtract.mockResolvedValue({
     reportDate: "2026-07-10",

src/lib/documents/__tests__/fenced-chat-pipeline.test.ts

@@ -29,6 +29,7 @@ vi.mock("@/lib/ai/coach/budget", () => ({
   reserveBudget: vi.fn().mockResolvedValue({ allowed: true, reserved: 600 }),
   reconcileSpend: vi.fn().mockResolvedValue(undefined),
   resolveDailyCap: vi.fn(() => 100000),
+  resolveDailyCapFor: vi.fn(() => 100000),
   resolveCostOwner: vi.fn(() => "operator" as const),
 }));
 vi.mock("@/lib/ai/provider-runner", () => ({

src/lib/documents/__tests__/index-document.test.ts

@@ -45,6 +45,7 @@ vi.mock("@/lib/ai/coach/budget", () => ({
   reserveBudget: vi.fn(),
   reconcileSpend: vi.fn().mockResolvedValue(undefined),
   resolveDailyCap: vi.fn(() => 1000),
+  resolveDailyCapFor: vi.fn(() => 1000),
   resolveCostOwner: vi.fn(() => "operator" as const),
 }));
 vi.mock("@/lib/ai/ai-budgets", () => ({

src/lib/documents/__tests__/index-outcome-record.test.ts

@@ -56,6 +56,7 @@ vi.mock("@/lib/ai/coach/budget", () => ({
   reserveBudget: vi.fn(),
   reconcileSpend: vi.fn().mockResolvedValue(undefined),
   resolveDailyCap: vi.fn(() => 1000),
+  resolveDailyCapFor: vi.fn(() => 1000),
   resolveCostOwner: vi.fn(() => "operator" as const),
 }));
 vi.mock("@/lib/ai/ai-budgets", () => ({

src/lib/documents/auto-stage-labs.ts

@@ -32,6 +32,7 @@ import {
   buildDateKey,
   reconcileSpend,
   reserveBudget,
+  resolveDailyCapFor,
 } from "@/lib/ai/coach/budget";
 import { loadDocumentChatText } from "@/lib/documents/content-index";
 import { resolveIndexProvider } from "@/lib/documents/index-document";
@@ -276,13 +277,17 @@ export async function maybeAutoStageLabFacts(
   }
 
   // A text-structuring pass, not a vision call — reserve the proportionate
-  // ceiling under the same daily cap the auto-index resolved.
+  // ceiling under the cost owner the auto-index resolved.
+  // v1.38.19 (Wave E) — auto-staging runs off the upload, with no one waiting
+  // on it: a background surface, so half the day's ceiling.
   const dateKey = buildDateKey();
   const reservation = await reserveBudget(
     userId,
     AI_BUDGETS.ocrExtractText.maxTokens,
     dateKey,
-    provider.dailyCap,
+    resolveDailyCapFor("job", [
+      { providerType: provider.pick.entry.providerType },
+    ]),
     provider.costOwner,
   );
   if (!reservation.allowed) return { staged: false, reason: "budget" };