feat: subscription catalog migration, 200-row seed, improved detection
db/database.js:
- Added monitored to COLUMN_WHITELIST
- runSubscriptionCatalogMigration() creates table + seeds 200 rows
- Migration v0.65 in both legacy reconciliation and main migrations
services/subscriptionService.js:
- SUBSCRIPTION_TYPES expanded 10→14 (food, education, shopping, security)
- TYPE_KEYWORDS updated with 30 new keywords across categories
- loadCatalog() loads 200 entries per recommendation call, graceful [] on old DBs
- lookupCatalog() longest-match wins, handles embedded domains
- inferType() catalog hit takes priority over keyword guessing
- Two-tier detection: catalog 1-hit → possible (62), 2+ → pattern/confirmed with boost (68-99)
- Canonical names from catalog, type auto-filled
- buildRecommendation() extracted as shared helper with tier + catalog_match fields
- createSubscriptionFromRecommendation sets subscription_source to catalog_match
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