Pruefzaehler + Pruefkontingent (Decision-Update Phase-2 vorgezogen)

Eigener Pruef-Zaehler, getrennt von der Credit-Wallet (Paragraph 4.2/4.3):

- review_checks Ledger (eine Zeile je Pruefung, source free|credit,
  charged_credits), aggregiert pro Account/Monat statt pro PM
- ReviewCheckService: Tageslimit (harte Bremse, nicht freikaufbar) ->
  Monats-Freikontingent (tier-gestaffelt 4/12/30/60/120) -> Overflow
  zieht 1 Credit/Pruefung aus der Wallet
- ReviewLimitException fuer das erreichte Tageslimit

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

database/factories/ReviewCheckFactory.php

@@ -0,0 +1,27 @@
+<?php
+
+namespace Database\Factories;
+
+use App\Enums\ReviewCheckSource;
+use App\Models\ReviewCheck;
+use App\Models\User;
+use Illuminate\Database\Eloquent\Factories\Factory;
+
+/**
+ * @extends Factory<ReviewCheck>
+ */
+class ReviewCheckFactory extends Factory
+{
+    /**
+     * @return array<string, mixed>
+     */
+    public function definition(): array
+    {
+        return [
+            'user_id' => User::factory(),
+            'press_release_id' => null,
+            'source' => ReviewCheckSource::Free,
+            'charged_credits' => 0,
+        ];
+    }
+}