feat(settings/providers): card grid for available providers with connect drawer

- Add Provider::Metadata registry with static display data (region, kind,
  tier, maturity, logo) for all 11 providers
- Add Settings::ProviderCard ViewComponent rendering logo square, name,
  Beta/Alpha pill, meta line (region · type · tier), tagline, and Connect link
- Add connect_form action + route (GET /settings/providers/:key/connect_form)
  that opens the existing panel partial or config form in a DS::Dialog drawer
- Replace the Available accordion loop with a 2-column responsive card grid;
  empty state when all providers are connected
- Fix layout override: use turbo_rails/frame layout for frame requests so the
  drawer response is not wrapped in the full settings layout (was causing
  Turbo to pick the empty outer drawer frame instead of the filled one)
- Add SyncAllProvidersJob and last_sync_all_attempted_at migration (sync-all
  throttle support)
- Unify Connected + Action needed into a single "Your connections" section;
  items with warn/err status auto-open
- Fix Enable Banking grouping: items with expired sessions were returning
  :off (Available) instead of :warn (Your connections); gate now checks
  any? instead of any?(&:session_valid?)
- Add reconsent_required locale key for fully-expired EB sessions
- Surface Beta/Alpha maturity pills on connected provider accordion rows
  via new badge: param on settings_section helper
- Add i18n taglines for all 11 providers; add connect and empty_available keys

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

test/system/settings/providers_test.rb

@@ -49,22 +49,22 @@ class Settings::ProvidersTest < ApplicationSystemTestCase
     details.assert_text "Setup Token"
   end
 
-  test "groups providers into Connected and Available with counts" do
+  test "groups providers into Your connections and Available with counts" do
     SimplefinItem.create!(family: @family, name: "Test SimpleFIN", access_url: "https://bridge.simplefin.org/simplefin/access")
 
     visit settings_providers_path
 
-    connected_heading = find("h2", text: /\AConnected/)
-    assert_match(/· 1\z/, connected_heading.text)
+    connections_heading = find("h2", text: /\AYour connections/)
+    assert_match(/· 1\z/, connections_heading.text)
 
     available_heading = find("h2", text: /\AAvailable/)
 
-    connected_y = connected_heading.native.location.y
-    available_y = available_heading.native.location.y
-    simplefin_y = find("details", text: "SimpleFIN").native.location.y
-    binance_y   = find("details", text: "Binance").native.location.y
+    connections_y = connections_heading.native.location.y
+    available_y   = available_heading.native.location.y
+    simplefin_y   = find("details", text: "SimpleFIN").native.location.y
+    binance_y     = find("details", text: "Binance").native.location.y
 
-    assert connected_y < simplefin_y, "Connected heading should appear above SimpleFIN section"
+    assert connections_y < simplefin_y, "Your connections heading should appear above SimpleFIN section"
     assert simplefin_y < available_y, "SimpleFIN should appear above Available heading"
     assert available_y < binance_y,  "Available heading should appear above Binance section"
   end
@@ -85,10 +85,11 @@ class Settings::ProvidersTest < ApplicationSystemTestCase
 
     visit settings_providers_path
 
+    assert_selector "h2", text: /\AYour connections/
     assert_no_selector "h2", text: /\AAction needed/
   end
 
-  test "enable banking with expiring session lands in action needed and auto-opens" do
+  test "enable banking with expiring session appears in your connections and auto-opens" do
     item = EnableBankingItem.new(
       family: @family,
       name: "Test Bank",
@@ -102,11 +103,72 @@ class Settings::ProvidersTest < ApplicationSystemTestCase
 
     visit settings_providers_path
 
-    assert_selector "h2", text: /\AAction needed/
+    assert_selector "h2", text: /\AYour connections/
 
-    # The Enable Banking section should be in the action-needed group and auto-opened
+    # The Enable Banking section should be in the Your connections group and auto-opened
     within("details[open]", text: /Enable Banking/) do
       assert_text "Re-consent needed in 5 days"
     end
   end
+
+  test "sync all button enqueues SyncAllProvidersJob and shows flash" do
+    SimplefinItem.create!(family: @family, name: "Test SimpleFIN", access_url: "https://bridge.simplefin.org/simplefin/access")
+
+    visit settings_providers_path
+
+    assert_enqueued_with(job: SyncAllProvidersJob) do
+      click_on "Sync all"
+    end
+
+    assert_text "Syncing all connected providers"
+  end
+
+  test "per-row sync button enqueues sync for that provider and shows flash" do
+    SimplefinItem.create!(family: @family, name: "Test SimpleFIN", access_url: "https://bridge.simplefin.org/simplefin/access")
+
+    visit settings_providers_path
+
+    within("details", text: "SimpleFIN") do
+      find("button[title='Sync now']").click
+    end
+
+    assert_text "Sync started"
+  end
+
+  test "add provider CTA banner appears above available group when providers are connected" do
+    SimplefinItem.create!(family: @family, name: "Test SimpleFIN", access_url: "https://bridge.simplefin.org/simplefin/access")
+
+    visit settings_providers_path
+
+    cta = find("a", text: "Browse providers")
+    available_heading = find("h2", text: /\AAvailable/)
+
+    cta_y = cta.native.location.y
+    available_y = available_heading.native.location.y
+
+    assert cta_y < available_y, "Add-provider CTA should appear above the Available heading"
+  end
+
+  test "available providers render as a card grid" do
+    visit settings_providers_path
+
+    # SimpleFIN is not connected, so it should appear in the card grid
+    within "div.grid" do
+      assert_text "SimpleFIN"
+      assert_selector "a[data-turbo-frame='drawer']", minimum: 1
+    end
+  end
+
+  test "clicking a provider card connect link opens the connect drawer" do
+    visit settings_providers_path
+
+    # Find and click the SimpleFIN card's Connect link
+    within "div.grid" do
+      find("a[data-turbo-frame='drawer']", text: /Connect/, match: :first).click
+    end
+
+    # Drawer should open with the panel content
+    assert_selector "dialog[open]"
+    assert_text "Setup Token"
+  end
 end