fix(ui): match retail vitae and character info

Restore Vitae's omitted penalty paragraph, replace the invented character summary with gmCharacterInfoUI's ordered report and property meanings, preserve authored translucent body surfaces, and initialize the end-session button in its visible Normal DAT state.

Release build and all 5,830 tests pass with five intentional skips. Connected visual gate pending.

Co-authored-by: OpenAI Codex <codex@openai.com>

src/AcDream.Core/Items/ClientObject.cs

@@ -389,6 +389,22 @@ public static class BurdenMath
     public static float LoadRatio(int capacity, int burden)
         => capacity <= 0 ? 0f : (float)burden / capacity;
 
+    /// <summary>
+    /// Retail <c>EncumbranceSystem::LoadMod @ 0x004FCC70</c>: full
+    /// effectiveness through 100% load, a linear falloff to zero at 200%,
+    /// then zero above it.
+    /// </summary>
+    public static float LoadModifier(float load)
+        => load <= 1f ? 1f : load < 2f ? 2f - load : 0f;
+
+    /// <summary>
+    /// Percentage printed by <c>gmCharacterInfoUI::UpdateLoad @ 0x004B8A20</c>.
+    /// Retail truncates <c>LoadMod * 10</c> before converting the ten steps to
+    /// a percentage.
+    /// </summary>
+    public static int LoadPenaltyPercent(float load)
+        => (10 - (int)(LoadModifier(load) * 10f)) * 10;
+
     /// <summary>
     /// Retail <c>gmBackpackUI::SetLoadLevel</c> bar fill (decomp 176542,
     /// <c>0x004a6ea6</c>): <c>clamp(load * 0.3333…, 0, 1)</c> — the bar is 1/3 full at