Wizard: section Installation (palier financé) à l'étape Items

- Presets Standard 360→240 (10$/mois) / Simple 180→120 (5$/mois) / Aucune
- 2 cases éditables Prix original / Prix financé + aperçu live (barré, $/mois, crédité→0$)
- Alimente install_fee/install_regular du Service Contract → page d'acceptation affiche le détail
- Placé sous Code de référence dans la vue résidentielle

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>

apps/ops/src/components/shared/ProjectWizard.vue

@@ -488,6 +488,42 @@
           <q-icon name="error" size="13px" /> {{ referralError }}
         </div>
 
+        <!-- Installation financée — créance réelle créditée chaque mois (conforme CRTC, pas de clawback) -->
+        <div class="referral-row q-mt-md" style="border-color:#bde5cb;background:#f4fff6">
+          <q-icon name="construction" size="18px" color="green-7" class="q-mr-sm" />
+          <div class="col" style="min-width:0">
+            <div class="referral-title" style="color:#00733a">Installation</div>
+            <div class="referral-desc">Financée sur {{ maxContractMonths }} mois, créditée chaque mois — 0&nbsp;$ net pour le client tant qu'abonné</div>
+          </div>
+          <div class="row q-gutter-xs items-center no-wrap">
+            <q-btn v-for="p in INSTALL_PRESETS" :key="p.key" dense no-caps size="sm"
+              :outline="!isInstallPreset(p)" :unelevated="isInstallPreset(p)"
+              color="green-7" :text-color="isInstallPreset(p) ? 'white' : 'green-8'"
+              :label="p.label" @click="setInstallPreset(p)" />
+          </div>
+        </div>
+        <div v-if="installFee > 0 || installRegular > 0" class="row q-col-gutter-sm q-mt-xs items-center">
+          <div class="col-4">
+            <q-input v-model.number="installRegular" dense outlined type="number" step="0.01" min="0"
+              label="Prix original" :input-style="{ fontSize: '0.78rem' }"
+              title="Prix barré affiché au client (0 = aucun barré)">
+              <template v-slot:append><q-icon name="local_offer" size="13px" color="orange-7" /></template>
+            </q-input>
+          </div>
+          <div class="col-4">
+            <q-input v-model.number="installFee" dense outlined type="number" step="0.01" min="0"
+              label="Prix financé $" :input-style="{ fontSize: '0.78rem' }"
+              title="Montant réellement financé/dû (créance). 0 = installation gratuite" />
+          </div>
+          <div v-if="installFee > 0" class="col-4" style="font-size:0.76rem">
+            <div v-if="installRegular > installFee">
+              <s style="color:#9ca3af">{{ Number(installRegular).toFixed(2) }}$</s>
+              <b class="text-green-8 q-ml-xs">{{ Number(installFee).toFixed(2) }}$</b>
+            </div>
+            <div class="text-grey-7">+{{ (Number(installFee) / (maxContractMonths || 24)).toFixed(2) }}$/mois · crédité → <b class="text-green-8">0$</b></div>
+          </div>
+        </div>
+
         <!-- "Autre item" + "Item manuel" shortcuts live at the bottom —
              the sticky cart pill at the top handles navigation to Sommaire
              which is where cart details and totals are edited/reviewed. -->
@@ -1697,6 +1733,7 @@ const { publish } = useWizardPublish({
     acceptanceSentVia, publishedJobCount,
     sendTo, sendChannel,
     publishedContractName,
+    installFee, installRegular,
     cancel () { cancel() },
   },
 })
@@ -1900,6 +1937,17 @@ const referralApplied = ref(false)
 const referralChecking = ref(false)
 const referralError = ref('')
 
+// Installation financée (CRTC-compliant) — alimente install_fee / install_regular du contrat.
+const installRegular = ref(0)   // prix de référence barré (marketing)
+const installFee = ref(0)       // montant réellement financé/dû (créance)
+const INSTALL_PRESETS = [
+  { key: 'standard', label: 'Standard', regular: 360, fee: 240 },
+  { key: 'simple', label: 'Simple', regular: 180, fee: 120 },
+  { key: 'none', label: 'Aucune', regular: 0, fee: 0 },
+]
+function setInstallPreset (p) { installRegular.value = p.regular; installFee.value = p.fee }
+function isInstallPreset (p) { return Number(installFee.value) === p.fee && Number(installRegular.value) === p.regular }
+
 async function applyReferralCode () {
   const code = referralCode.value.trim().toUpperCase()
   if (!code) return

apps/ops/src/composables/useWizardPublish.js

@@ -13,6 +13,7 @@ export function useWizardPublish ({ props, emit, state }) {
     acceptanceSentVia, publishedJobCount,
     sendTo, sendChannel,
     publishedContractName,
+    installFee, installRegular,
   } = state
 
   async function resolveAddress () {
@@ -265,6 +266,8 @@ export function useWizardPublish ({ props, emit, state }) {
               duration_months: durationMonths,
               monthly_rate: monthlyRate,
               monthly_regular: monthlyRegular > monthlyRate ? monthlyRegular : 0,
+              install_fee: installFee?.value || 0,
+              install_regular: (installRegular?.value || 0) > (installFee?.value || 0) ? installRegular.value : 0,
               service_location: serviceLocation,
               quotation: orderDocName,
               start_date: today,