Phase 4: Review + Payment + Account

Prerequisites:
Phase 3 complete — applications land in `cohort_applications` with `decision: 'pending'`. `storefront-auth` Phase 3.1 shipped (`src/lib/stripe/client.ts` + `STRIPE_SECRET_KEY` in env). `storefront-auth` Phase 3.3 shipped (`src/app/api/stripe/webhook/route.ts` + `STRIPE_WEBHOOK_SECRET`). `storefront-auth` Phase 4.1 shipped (`/products/account/page.tsx`).