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/clients.service.ts

@@ -582,12 +582,20 @@ export class ClientsService {
     pageSize: number,
     sortAttribute: string = '',
     sortDirection: string = '',
-    activeOnly: boolean = false
+    activeOnly: boolean = false,
+    legalFormType: string = ''
   ) {
     const innerRequest: any = { text };
     if (activeOnly) {
       innerRequest.activeOnly = true;
     }
+    // Restrict to one legal form when caller asks for it. Used by guardian/nominee/family-member
+    // pickers — non-individual entities (companies, partnerships) make no sense as a "guardian"
+    // or "spouse", so the SPA passes 'INDIVIDUAL' there. Backend treats this as authoritative;
+    // omitting the param still returns all forms (backwards-compatible for the general client list).
+    if (legalFormType) {
+      innerRequest.legalFormType = legalFormType;
+    }
     let request: any = {
       request: innerRequest,
       page,