web: AuthGate consolidates three "not authenticated" cards

Create AuthGate component as the single source of truth for the
unauthenticated UI. Cold renders show a manual sign-in button (IV7);
mid-session expiry auto-redirects via useEffect (IV7); auth_error shows
the distinct error card with a "Try again" button and never auto-retries
(IV6). Swap the inline AuthError cards at index, projects, and
SavedSearchesSection call sites.

web: palette — gate prefetch with enabled+staleTime per plan 4.2

web: sectioned /settings with saved-searches CRUD

Add four TanStack Query hooks (useSavedSearches, useCreateSavedSearch,
useUpdateSavedSearch, useDeleteSavedSearch) backed by IF3 contract.
Introduce apiFetchVoid in client.ts for the 204 No Content DELETE path.
Replace the placeholder /settings route with a two-column sectioned shell
(SectionRail + SavedSearchesSection); Display section is disabled pending #8.