Merge branch 'feature/settings-retail' — Phase L.0 Settings interface

Lands the full retail-style Settings interface developed in the
.worktrees/settings-retail worktree. 17 commits delivering:

== Phase L.0 — Settings interface ==

 7665cdf  tabbed Settings shell + IPanelRenderer tab API extension
 382f0ad  Display tab + settings.json persistence layer
 53b1878  Audio tab + live volume sliders driving OpenAL engine
 b7165e5  Gameplay tab — 14 retail CharacterOption-derived toggles
 356b5f2  Chat tab — channel filters + display prefs + font slider
 73749d1  Character tab — per-toon settings; Phase L.0 complete
 fc1e193  wire Display GL knobs + per-toon Character key
 4c75ced  chat Copy mode — read-only multi-line for select + Ctrl+C

== Drag-fix iteration ==

 6273255  first attempt at title-bar-only drag (Begin-level absorber)
 2818fcc  scope drag absorber to BeginChild (fixed Settings tabs)
 df9f2fd  wrap chat panel body in outer BeginChild (fixed chat drag)

== Pre-merge code review fixes ==

 944a036  rescue commit — orphaned FramebufferResize + ResetPanelLayout
          (working-tree changes that never got committed in the cwd
          shenanigans during earlier iteration)
 a37ebde  apply persisted Display + Audio settings without devtools gate
          (settings are runtime state, not devtools state); hide Music
          + Ambient sliders that were inert (R5 MIDI not shipped)
 23aa017  docs/plans/roadmap shipped table updated for K + L.0

== Net delivered ==

 · 6-tab F11 Settings panel: Keybinds (existing) + Display + Audio
   + Gameplay + Chat + Character
 · settings.json at %LOCALAPPDATA%\acdream\ — five sections coexist
   non-destructively, per-toon Character keying
 · Display: Resolution / Fullscreen / VSync / FOV / ShowFps live-wired
   to Silk.NET window + camera FovY + title-bar perf string
 · Audio: Master + SFX volume live-driving OpenAL engine
 · Gameplay/Chat/Character: persist for forthcoming server-sync wiring
 · Chat panel Copy mode (Ctrl+C selectable text)
 · Title-bar-only window drag (BeginChild absorber)
 · FramebufferResize handler — GL viewport + camera aspect + panel
   layout stay in sync on window resize
 · "Reset window layout" View menu item
 · IPanelRenderer extensions: tab API + TextMultilineReadOnly

dotnet build green (0 warnings); dotnet test 1,309 / 1,309 green
(243 Core.Net + 393 UI.Abstractions + 673 Core; +87 net new tests
since fork).

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

docs/plans/2026-04-11-roadmap.md

@@ -54,6 +54,8 @@
 | I.5 | Holtburger inbound chat parity + Windows-1252 codec — `EmoteText (0x01E0)`, `SoulEmote (0x01E2)`, `ServerMessage (0xF7E0)`, `PlayerKilled (0x019E)` parsers + `WeenieError` routing through `GameEventWiring`. Global string codec switch from `Encoding.ASCII` to `Encoding.GetEncoding(1252)` so accented names round-trip per retail + holtburger. | Tests ✓ |
 | I.6 | TurbineChat codec + `ChatChannelInfo` — full `0xF7DE` codec with three payload variants (`EventSendToRoom`, `RequestSendToRoomById`, `Response`), UTF-16LE strings with variable-length prefix, `SetTurbineChatChannels (0x0295)` parser, unified `ChatChannelInfo` (Legacy + Turbine variants), `TurbineChatState`. **ACE doesn't host a TurbineChat server — codec is ready when retail-emulating servers exist.** | Tests ✓ |
 | I.7 | `CombatChatTranslator` — retail-faithful combat-text formatters into `ChatLog` ("You hit drudge for 50 slashing damage (87%)"). Subscribes to `CombatState`'s `DamageTaken` / `DamageDealtAccepted` / `EvadedIncoming` / `MissedOutgoing` / `AttackDone` / `KillLanded`; templates ported verbatim from holtburger `panels/chat.rs:221-308`. | Tests ✓ |
+| K | Input architecture — `Action` enum, `KeyChord`, `KeyBindings`, multicast `InputDispatcher` with scope-stack + modal capture, retail-default keymap (152 bindings), `keybinds.json` persistence, F11 Settings panel with click-to-rebind + conflict detection, main menu bar + View menu | Live ✓ |
+| L.0 | Full retail-style Settings interface — F11 tabbed panel with 6 tabs (Keybinds + Display + Audio + Gameplay + Chat + Character). `settings.json` at `%LOCALAPPDATA%\acdream\`, per-toon `Character` keying (swapped on EnterWorld). Display GL knobs (Resolution / Fullscreen / VSync / FOV / ShowFps) + Audio (Master / SFX) live-wired; Gameplay / Chat / Character settings persist for server-sync wiring later. Tab API extension to `IPanelRenderer`; chat Copy mode (read-only multi-line); per-panel layout reset; FramebufferResize handler keeps GL viewport + camera aspect + panel positions in sync. | Live ✓ |
 
 Plus polish that doesn't get its own phase number:
 - FlyCamera default speed lowered + Shift-to-boost