Add KNF/BFG detail: BION/SREP P2R, BFG levy, bail-in (#48)

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Summary

• BION/SREP Pillar 2 (P2R): per-bank KNF capital add-ons (1–3%) integrated into effectiveMinCar alongside CCyB + OSII
• BFG annual levy: monthly deduction from bank deposits (0.24%/year), accumulates in bfgFundBalance
• Bail-in mechanism: haircut uninsured deposits (above 400K PLN guarantee) on failed banks before resolution

Details

• 5 env vars: P2R_ADDONS, BFG_LEVY_RATE, BAIL_IN_ENABLED, BAIL_IN_DEPOSIT_HAIRCUT, BFG_DEPOSIT_GUARANTEE
• 3 output columns: BfgLevyTotal, BfgFundBalance, BailInLoss (nCols 194→197)
• Identity 1 (bank capital) modified: - bfgLevy
• Identity 2 (bank deposits) modified: - bailInLoss
• 25 new tests (1217 total), SFC check clean on #48-specific identities

Test plan

• All 1217 tests pass (sbt test)
• Smoke: baseline (no toggles) — clean
• Smoke: multi-bank + macropru (P2R active) — EffectiveMinCar rises to 11%
• Smoke: full KNF (multi + macropru + bank failure + bail-in) — BFG fund accumulates, bail-in fires correctly
• Pre-existing bondClr SFC failure with BANK_FAILURE=true confirmed NOT caused by #48