Quick wins from the Loop B close-out:
- backend/internal/dav/service_prod.go: package-level init() connected to
postgres and panicked when the DB was unreachable — breaking bare-shell
'go test -tags test,!dev' and any CI test-prod run without a live service.
init() now skips connecting under GO_TESTING (the pipeline sets it) or
DAV_SKIP_INIT, and defaults POSTGRES_HOST to 127.0.0.1 (the pipeline
postgres-service address, matching testutils/testdb) so real prod builds
still connect. The test suite wires its own pool in TestMain.
- README.md:21: corrected stale 'Gift card SPV/MPV VAT treatment configurable'
to the SPV-only posture (a stored MPV is overridden to SPV at read time).
Verified: 26/26 dev packages, both vet tags clean.
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