feat(digital+toolbar): NEFT/RTGS module, AI menu, polished header icons

- Add /digital/neft-rtgs (entry) and /digital/neft-rtgs-report (analytics):
  KPIs, tabbed views (Trends, Bank-wise, Date-wise, Pending/Pass/Return,
  Branch/Mobile, User-wise), filterable transaction table with CSV export,
  and a non-dismissible Initiate dialog launched from a floating action.
- Make BANL verification mandatory before NEFT/RTGS submit; auto-fill and
  lock beneficiary name from the lookup response, invalidate match on
  A/C or IFSC edit, demo fallback for unknown accounts.
- Add Digital menu links (NEFT/RTGS + Report) in shell top-nav.
- Replace toolbar theme toggle with AI / Intelligence Modules mega menu:
  4 colour-coded columns covering Lending & Risk, Investment & Profit,
  Compliance & Advisory, Governance (9 modules total). Wire RBI
  Notifications Monitoring to /rbi-circulars.
- Unify notifications, settings, AI, and profile toolbar buttons into a
  26px ring style; colourful gradient bell SVG for notifications,
  custom gear+petals AI mark, online dot on the avatar.
- Trim ISO 27001 chip in the top bar.
- Add MPL header to generated .env.ts and its template in version.js.
- Bundles other pending working-tree changes (clients family/nominee
  tab tweaks, auth/2FA fixes, translations) into the same push.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

src/app/clients/client-stepper/client-general-step/client-general-step.component.ts

@@ -987,7 +987,8 @@ export class ClientGeneralStepComponent implements OnInit, OnDestroy, OnChanges
 
     this.guardianSearching = true;
     this.guardianSearchTimer = setTimeout(() => {
-      this.clientService.searchByText(text, 0, 10, '', '', true).subscribe({
+      // Guardian picker: only natural persons can be a guardian.
+      this.clientService.searchByText(text, 0, 10, '', '', true, 'INDIVIDUAL').subscribe({
         next: (data: any) => {
           this.guardianSearchResults = data?.content || [];
           this.guardianSearching = false;