One-pill study chrome, toggling chat pickers, readable homework steps

UI batch from feedback:

- The study/review/exam/homework chrome is now a single 58px pill: round
  close button, title + position over the progress bar, chips (or the exam
  timer) at the far end — everything on the centre line, so nothing crowds
  the rounded corners any more. Homework guide gets the same recipe.
- The immersive feeds carry z-[45] so they paint over the app chrome (on
  /exam the header used to cover the top of the chrome), and the page chrome
  behind an open overlay (.app-header, .segmented, .tabbar) is hidden while
  the transparent overlay is up, so it can no longer ghost through the glass.
  The guide's disclaimer moved inside the overlay with it.
- Chat: the context and model chips toggle their own popover (pressed state,
  aria-expanded), opening one closes the other, a press outside closes it —
  no more being forced to pick something to get out.
- Homework: the model's plain-text step explanations/hints/verdicts keep
  their line breaks (whitespace-pre-wrap) — a step used to collapse into one
  run-on paragraph with the whole solution inside it; the guide prompt now
  says the explanation is coaching, 2-4 sentences.
- The four glacier blobs are at 25% of their old opacity (0.045 light,
  0.1 dark).

Tests: phase-2 chrome geometry + exam layering checks (62), chat desktop
picker checks (101), the standing suites all green. README: decisions 54-56,
decision 23 updated. SW -> freezmo-v44.

components/homework/HomeworkScreen.tsx

@@ -256,7 +256,9 @@ export function HomeworkScreen({ initialRecordId }: { initialRecordId?: string }
             againLoading={againLoading}
           />
         )}
-        <AiDisclaimer />
+        {/* The guide is a full-screen overlay and carries its own copy; this
+            page-flow one would ghost through the transparent overlay. */}
+        {view.record.mode === "guide" ? null : <AiDisclaimer />}
       </div>
     );
   }