feat: add locale formatting config and update notebook outputs

Add configurable locale/display formatting environment variables
(`PALLADIUM_CURRENCY_SYMBOL`, `PALLADIUM_THOUSANDS_SEP`,
`PALLADIUM_DECIMAL_SEP`) to support regional number formatting in the
Streamlit app. Update `.env.example` with documentation for these new
variables.

Also refresh `00_setup.ipynb` with current execution outputs reflecting
a live Athena connection with report templates, a selected client
(Global Guardian Insurance, ID=2), and resolved NameError in assumption
override cells.

app/components/tables.py

@@ -5,9 +5,11 @@ from __future__ import annotations
 import pandas as pd
 import streamlit as st
 
+from app.locale import currency_fmt, fmt_currency, fmt_pct, pct_fmt, _STANDARD_LOCALE
+
 
 def _years_for_table(fields: list[dict], analysis_years: int) -> list[int]:
-    """Years 1..N — taken from analysis_period_years on the report."""
+    """Years 1..N -- taken from analysis_period_years on the report."""
     return list(range(1, max(int(analysis_years or 3), 1) + 1))
 
 
@@ -26,6 +28,11 @@ def value_editor(
     columns, an ``initial`` column for costs, a risk_adjustment column, and
     a notes column. Returns the edited DataFrame; the caller is responsible
     for converting it back to value-row dicts and PUTting to Athena.
+
+    Currency columns use the locale configured via PALLADIUM_CURRENCY_SYMBOL /
+    PALLADIUM_THOUSANDS_SEP / PALLADIUM_DECIMAL_SEP in .env.
+    The risk_adj column is stored as a 0-1 fraction and displayed as a
+    percentage (e.g. 0.20 -> "20.00%").
     """
     fields = [
         f
@@ -44,43 +51,76 @@ def value_editor(
     for f in fields:
         v = by_key.get(f["field_key"], {}) or {}
         yv = v.get("year_values") or {}
+        risk_raw = float(v.get("risk_adjustment") or 0.0)
         row = {
             "field_key": f["field_key"],
             "label": f.get("label", f["field_key"]),
             "category": f.get("category", "") or "",
         }
         if table == "costs":
-            row["Initial"] = float(v.get("initial") or 0.0)
+            if _STANDARD_LOCALE:
+                row["Initial"] = float(v.get("initial") or 0.0)
+            else:
+                row["Initial"] = fmt_currency(float(v.get("initial") or 0.0))
         for y in years:
-            row[f"Year {y}"] = float(yv.get(str(y)) or 0.0)
-        row["risk_adj"] = float(v.get("risk_adjustment") or 0.0)
+            raw = float(yv.get(str(y)) or 0.0)
+            if _STANDARD_LOCALE:
+                row[f"Year {y}"] = raw
+            else:
+                row[f"Year {y}"] = fmt_currency(raw)
+        # Risk adj: store as fraction for standard locales (NumberColumn handles
+        # display), or pre-format as "20.00%" string for non-standard locales.
+        if _STANDARD_LOCALE:
+            row["risk_adj"] = risk_raw
+        else:
+            row["risk_adj"] = fmt_pct(risk_raw)
         row["notes"] = v.get("notes", "") or ""
         rows.append(row)
 
     df = pd.DataFrame(rows)
 
+    _cur_fmt = currency_fmt()
+    _pct_fmt_str = pct_fmt()
+
     column_config: dict = {
         "field_key": st.column_config.TextColumn("Key", disabled=True, width="small"),
         "label": st.column_config.TextColumn("Field", disabled=True),
         "category": st.column_config.TextColumn("Category", disabled=True, width="small"),
-        "risk_adj": st.column_config.NumberColumn(
-            "Risk Adj.", min_value=0.0, max_value=1.0, step=0.05, format="%.2f"
-        ),
         "notes": st.column_config.TextColumn("Notes", width="medium"),
     }
-    if table == "costs":
-        column_config["Initial"] = st.column_config.NumberColumn(
-            "Initial", format="$%.0f"
+
+    if _STANDARD_LOCALE:
+        column_config["risk_adj"] = st.column_config.NumberColumn(
+            "Risk Adj.",
+            min_value=0.0,
+            max_value=1.0,
+            step=0.05,
+            format=_pct_fmt_str,
+            help="Enter as a decimal fraction (e.g. 0.20 = 20%)",
         )
-    for y in years:
-        column_config[f"Year {y}"] = st.column_config.NumberColumn(
-            f"Year {y}", format="$%.0f"
+        if table == "costs":
+            column_config["Initial"] = st.column_config.NumberColumn(
+                "Initial", format=_cur_fmt
+            )
+        for y in years:
+            column_config[f"Year {y}"] = st.column_config.NumberColumn(
+                f"Year {y}", format=_cur_fmt
+            )
+    else:
+        # Non-standard locale: display as pre-formatted strings (read-only display;
+        # user edits the raw number and we re-format on save).
+        column_config["risk_adj"] = st.column_config.TextColumn(
+            "Risk Adj.", help="Displayed as percentage; stored as 0-1 fraction"
         )
+        if table == "costs":
+            column_config["Initial"] = st.column_config.TextColumn("Initial")
+        for y in years:
+            column_config[f"Year {y}"] = st.column_config.TextColumn(f"Year {y}")
 
     edited = st.data_editor(
         df,
         column_config=column_config,
-        use_container_width=True,
+        width="stretch",
         num_rows="fixed",
         hide_index=True,
         key=key,