B1: React Query deeper adoption (P1–P3) #86

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- **Sidebar overdue badge** — Tracker menu item shows live overdue count on desktop nav pill and mobile drawer.
- **Snooze persistence**`snoozed_until` column on `monthly_bill_state` (migration v0.70). Backend validates and persists snooze dates through `PUT /bills/:id/monthly-state`.
- **Overdue count endpoint**`GET /api/tracker/overdue-count` with client-side polling (2-min stale, 5-min poll, tab-only).
- **Instant bill search and filters** — Bills and Tracker now include search inputs for quickly finding bills by name, category, notes, or amount. Bills adds category, billing-cycle, autopay, due-bucket, debt, and inactive filters; Tracker adds current-month category, billing-cycle, unpaid, overdue, autopay, due-bucket, and debt filters.
- **Command palette bill lookup** — Added a global Ctrl+K command palette for finding bills by name, category, notes, due details, or amount, with quick jumps into Bills or the current Tracker search.
- **Partial payment tracking** — Tracker now shows paid-versus-expected progress for each bill, supports multiple payments in the same month, and includes a payment ledger for adding, editing, and reviewing installment payments.
- **Tracker overpayment remaining math** — Paying more than a bill's due amount no longer makes Tracker remaining/progress math look reversed. Overpayments now cap paid-toward-due calculations at the amount owed while still showing the extra amount as overpaid.
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