Home's spend tile shows the forge's own ceiling and the time it was hit, and the terminal dashboard says the same #5798

Part of #5735. The owner saw "$601, no ceiling" while a $600 cap held the builders idle.

Done when:

• [ ] The spend tile compares today's crew spend with the forge cap (config.crewCeilingUsd) and nothing else. Do not fold per-account ceilings into one number: the max of the account ceilings is not a forge ceiling (sentinel on #5736).
• [ ] Once spend passes the cap, the tile turns attention-toned and reads ceiling hit HH:MMZ, builders idle. The time is when the run that crossed the cap was created.
• [ ] kpiForge in src/tui/screens/dashboard.ts and the web tile read the cap and the time through one function, so the two can never disagree. A test proves both doors show the same words.
• [ ] When no forge cap is set, both doors say no forge ceiling.

Files: src/flow/kpis.ts or a new src/flow/ceiling.ts, src/flow/kpi_words.ts, src/web/studio/kpi_row.ts, src/tui/screens/dashboard.ts, tests. Risk: src/crew/autonomy.ts already reads the cap. Read it the same way there; do not invent a second rule.