fix(rewards): check last achievement unlock for manual COMPLETED

Refs #44. Check the last achievement unlock, not the first status change.
Old 100% games no longer pass. New reason COMPLETION_TOO_OLD.
Add earlySince to the games and wallet GET responses.

readme.md

@@ -143,9 +143,9 @@ flowchart LR
   proof of fresh play (ending achievement or playtime around the finish, or half of the IGDB time played since the finish). Without proof a Steam finish pays 10 early points (`FINISHED_EARLY`), only for finishes on or after
   `app.rewards.early-since` (older unproven finishes pay only with proof); when proof arrives later, `FINISHED_TOPUP` pays the rest up to the full amount, once per game or set. PlayStation days never prove: a game linked to a PlayStation title pays by its own rules, only
   PlayStation rows pay nothing. The month bonus needs a finished game in that month. Games added by hand pay 15 for
-  a finish. Manual finishes and early finishes share the cap of 3 per ISO week. `COMPLETED` needs a `FINISHED`, `FINISHED_TOPUP` or `FINISHED_MANUAL` row on the game or its set, so a manual edition's finish opens it for the Steam edition, but only when the Steam game's own first finish
-  (first `FINISHED`/`COMPLETED` status change) is on or after `app.rewards.early-since`; a manual game itself never gets it.
-  `GET /api/rewards/expected?appids=` (read-only, at most 200) answers the full finish value per game for the Questions cards. `GET /api/rewards/games/{appid}` (game page open, after every status save) settles, then answers the paid rows of the game and its set (`bookedNow` = written by this call) and one `NoPointsReason` per missing kind (`STARTED`, `FINISHED`, `COMPLETED`); the codes live in `RewardRules`, the Frontend only maps them to texts. The settle takes a per-user advisory lock. V26 also pays a one-time starter grant
+  a finish. Manual finishes and early finishes share the cap of 3 per ISO week. `COMPLETED` needs a `FINISHED`, `FINISHED_TOPUP` or `FINISHED_MANUAL` row on the game or its set, so a manual edition's finish opens it for the Steam edition, but only when the Steam game's last achievement
+  unlock (100 % reached) is on or after `app.rewards.early-since` (else `COMPLETION_TOO_OLD`); a manual game itself never gets it.
+  `GET /api/rewards/expected?appids=` (read-only, at most 200) answers the full finish value per game for the Questions cards. `GET /api/rewards/games/{appid}` (game page open, after every status save) settles, then answers the paid rows of the game and its set (`bookedNow` = written by this call) and one `NoPointsReason` per missing kind (`STARTED`, `FINISHED`, `COMPLETED`); the codes live in `RewardRules`, the Frontend only maps them to texts; `earlySince` (ISO date, `app.rewards.early-since`) fills the date in the texts. The settle takes a per-user advisory lock. V26 also pays a one-time starter grant
   for finishes from before the status log. Shop: a whitelist of 57 looks (`ShopItem`; 45 buyable and 12 unlock-only) in eight slots, including animated completed effects, page backgrounds (CSS, SVG and two canvas engines in the Frontend),
   banner backgrounds (V27 widens `reward_equipped.slot`) and three buyable skins (full themes, slot `SKIN`). The unlock-only
   items (price 0, never sold): the settle books an `UNLOCK` row (ref = item code, 0 points) once a
@@ -225,7 +225,7 @@ ArchUnit role rules (`RoleAnnotationRules`) and `src/test/resources/contract/aut
 
 | Method | Path | Auth |
 |---|---|---|
-| `GET` | `/api/rewards/wallet` (balance, catalog, owned, equipped, last 50 ledger rows with the game name, unlock `progress` per track) | JWT |
+| `GET` | `/api/rewards/wallet` (balance, catalog, owned, equipped, last 50 ledger rows with the game name, unlock `progress` per track, `earlySince` for the rules text) | JWT |
 | `GET` | `/api/rewards/expected?appids=` (`{appid: points}`, the full finish value, 0 when paid; read-only, no settle; `400 TOO_MANY` over 200 appids) | JWT |
 | `POST` | `/api/rewards/purchases` (`{item}`; `200` wallet, `409 ALREADY_OWNED` / `NOT_ENOUGH_POINTS` / `NOT_FOR_SALE`) | JWT |
 | `GET` | `/api/rewards/progress/{track}/games?page=`, `/api/rewards/history/{kind}/{ref}/games?page=` (the games behind a track or a `MONTH` / `STREAK` bonus; `400 NOT_A_GAME_LIST`) | JWT |