feat(goals): pending-pledge dot on card avatar

Goals with open + unexpired pledges now carry a small amber DS::Pill
dot at the top-right of the avatar on the index card. Same primitive
+ position pattern as the beta gate dot on the sidebar nav, so the
'small marker' affordance reads consistently across the app.

Pledges are preloaded via the existing .includes(:open_pledges, ...) on
the index query, so the indicator is free at request time.

app/components/goals/card_component.html.erb

@@ -1,9 +1,16 @@
 <div class="group relative bg-container rounded-xl shadow-border-xs hover:shadow-sm transition-shadow p-6 <%= "opacity-75" if goal.paused? || goal.archived? %>"
-     <% if filterable %>data-goals-filter-target="card"<% end %>
+     <% if filterable %> data-goals-filter-target="card"<% end %>
      data-goal-name="<%= goal.name %>"
      data-goal-status="<%= goal.display_status %>">
   <div class="flex items-start gap-3">
-    <%= render Goals::AvatarComponent.new(goal: goal, size: "lg") %>
+    <div class="relative shrink-0">
+      <%= render Goals::AvatarComponent.new(goal: goal, size: "lg") %>
+      <% if has_pending_pledge? %>
+        <span class="absolute -top-0.5 -right-0.5">
+          <%= render DS::Pill.new(tone: :amber, size: :md, dot_only: true, title: t("goals.goal_card.pending_pledge")) %>
+        </span>
+      <% end %>
+    </div>
     <div class="min-w-0 flex-1">
       <div class="flex items-center gap-2 mb-0.5">
         <p class="text-base font-medium text-primary truncate">

app/components/goals/card_component.rb

@@ -26,6 +26,13 @@ class Goals::CardComponent < ApplicationComponent
     @linked_accounts ||= goal.linked_accounts.to_a
   end
 
+  # Open + unexpired pledges are preloaded on the index via the
+  # `.includes(:open_pledges, ...)` chain in GoalsController#index, so
+  # this is a hit on the in-memory association — no N+1.
+  def has_pending_pledge?
+    goal.open_pledges.any?
+  end
+
   def linked_accounts_count_label
     I18n.t("goals.goal_card.accounts", count: linked_accounts.size)
   end

config/locales/views/goals/en.yml

@@ -233,6 +233,7 @@ en:
       footer_reached: Goal reached
       footer_catch_up: "Save %{amount}/mo to catch up"
       footer_no_deadline: Open
+      pending_pledge: Pending pledge
       footer_no_pledges: No matched pledges yet
       footer_last_today: Last pledge matched today
       footer_last_days: