fix: keep growth analysis available per terminal

migrations/000003_ai_summary_refresh.sql

@@ -0,0 +1,13 @@
+DROP INDEX IF EXISTS growth_reports_daily_merchant_refresh_idx;
+
+-- statement-break
+CREATE INDEX IF NOT EXISTS growth_reports_scope_refresh_day_idx
+    ON growth_reports (merchant_id, terminal_source_key, tehran_refresh_day, created_at DESC)
+    WHERE manual_refresh = true;
+
+-- The application serializes scope-specific refresh decisions with a PostgreSQL
+-- advisory transaction lock. A refresh consumes the daily slot only after the
+-- requested scope has a persisted READY report with AI copy.
+
+-- statement-break
+INSERT INTO schema_migrations(version) VALUES (3) ON CONFLICT DO NOTHING;