docs(jobs): fix stale money-path + quota comments (terminate endpoint live, Team not unlimited) (#97)

Three agent-misleading comment inaccuracies in two job files. Comment-only —
zero behavior change; `go build ./internal/jobs/` + `go vet` clean.

payment_grace_terminator.go:
- Header said terminate "(b) downgrade tier to ANONYMOUS" — the api endpoint
  downgrades to FREE (api internal_terminate.go:207, "anonymous would be
  wrong"); a terminated team keeps its team_id so free is the correct floor.
- The TODO claimed the api side "is referenced by this dispatcher but NOT yet
  implemented in the api repo — that side ships in a separate PR." It IS
  implemented and live: api router.go:893 → internal_terminate.go::Terminate
  (pause-resources + downgrade-to-free + mark-grace-terminated + audit-emit).
  An agent reading the TODO would wrongly conclude dunning-termination is a
  no-op. Rewritten to describe the live state.

quota_wall_nudge.go:
- Skip-rationale said "team tier is unlimited on every axis." False post the
  strict-≥80%-margin redesign (2026-06-05) which retired all -1 limits — Team
  now carries finite high-capacity caps. Skipping Team is still correct (it's
  the top self-serve tier; the wall nudge is an UPGRADE banner with nothing
  above to upsell), so this is a stale-reason fix, not a behavior change.

Verified the one local integration-test failure
(TestIntegration_BillingReconciler_SkipsTestCohort) reproduces IDENTICALLY on
clean origin/master without this diff — it is a pre-existing local-test-DB seed
flake unrelated to these comment edits (the authoritative gate is CI's seeded
postgres service).

Co-authored-by: Claude Opus 4.8 <noreply@anthropic.com>

Author: mastermanas805

internal/jobs/payment_grace_terminator.go

@@ -4,7 +4,9 @@ package jobs
 // payment_grace_periods table looking for teams whose grace expired
 // (expires_at < now()) and calls the api repo's
 // POST /internal/teams/:id/terminate endpoint to (a) pause all resources,
-// (b) downgrade tier to anonymous, (c) mark the dunning row terminated.
+// (b) downgrade tier to FREE — NOT anonymous; a terminated team keeps its
+// team_id, so "free" (claimed-but-unpaid) is the correct floor (see
+// api internal_terminate.go), (c) mark the dunning row terminated.
 //
 // Cadence: every 1h (per the brief). The 1h floor is fine because the
 // grace clock is 7 days; a customer who recovers in the final hour
@@ -27,14 +29,18 @@ package jobs
 // without action — better than booting the worker with no secret and
 // later writing audit_log rows for non-terminations.
 //
-// TODO(ops): WORKER_INTERNAL_JWT_SECRET is a new env var. Operator must
+// OPS: WORKER_INTERNAL_JWT_SECRET is a shared env var. Operator must
 // (1) generate a 32-byte random value, (2) write it into the worker's
 // secrets, (3) write the same value into the api's secrets under
-// WORKER_INTERNAL_JWT_SECRET so the api can verify the bearer token,
-// (4) the api must expose POST /internal/teams/:id/terminate that
-// accepts the bearer + does pause/downgrade/mark-terminated. The
-// endpoint is referenced by this dispatcher but NOT yet implemented in
-// the api repo — that side ships in a separate PR.
+// WORKER_INTERNAL_JWT_SECRET so the api can verify the bearer token.
+// The api side IS shipped: POST /internal/teams/:id/terminate is
+// registered (api router.go → internal_terminate.go::Terminate) and
+// does the pause-resources + downgrade-to-free + mark-grace-terminated
+// + audit-emit work. This dispatcher only fires the call and mirrors the
+// lifecycle event into audit_log for the email forwarder. (Historical
+// note: when this file was first written the api endpoint was a separate
+// follow-up PR — that PR has since merged, so the prior "NOT yet
+// implemented" TODO is removed to avoid misleading an agent reading it.)
 
 import (
 	"bytes"

internal/jobs/quota_wall_nudge.go

@@ -13,9 +13,13 @@ package jobs
 // inside the last 24h, regardless of axis. This keeps the dashboard banner
 // stable (it won't flicker between axes once it's earned a slot).
 //
-// Tier gating: teams on the "team" tier are skipped entirely — team tier
-// is unlimited on every axis, so a wall nudge is incoherent. Teams on
-// tier "free" (claimed-but-unpaid) and "anonymous" (unclaimed) are also
+// Tier gating: teams on the "team" tier are skipped entirely — Team is the
+// top self-serve tier, so an "upgrade for headroom" nudge has no target
+// to point at. (The wall nudge is an UPGRADE banner; post the
+// strict-≥80%-margin redesign of 2026-06-05 Team is no longer "unlimited"
+// — it carries finite high-capacity limits — but there is still nothing
+// above it to upsell, so skipping it remains correct.) Teams on tier
+// "free" (claimed-but-unpaid) and "anonymous" (unclaimed) are also
 // skipped: they are pre-conversion and the conversion CTA is the claim
 // banner, not an upgrade banner.
 //