Professional City Advisor rewrite + wall-clock simulation

Advisor v2:
- Phased policy (founding/village/town/city) with scaling reserves
- Maximal-coverage siting: services score candidate spots by count of
  previously-uncovered developed buildings in radius
- RCI gradient genesis: homes north, commerce buffering, industry
  set back 2 extra tiles; per-tile separation filters on new districts
- District placement scored by runway length and distance from housing
- Power sized to PROJECTED demand (history-smoothed growth x14 months)
  with tech diversity cap (<=3 per type) and home-distance scoring
- Collector roads: cluster orphaned plots, one straight L-path
- Budget discipline: one big-ticket purchase max per pass

Simulation core:
- City clock now advances in wall time (tick-guard bounded), decoupled
  from render fps — slow devices no longer freeze the city
- Smoke test polls in game-time (monthIndex targets), not wall time

tests/engine.mjs

@@ -292,5 +292,42 @@ console.log('— save / load integrity —');
   ok(actions2.length <= 2, `second pass is conservative (${actions2.length} actions)`);
 }
 
+// ---------------- advisor professionalism ----------------
+{
+  // RCI separation: industry must keep its distance from homes
+  const c9 = new City(31337, 'Zonedville');
+  const a9 = new AutoBuilder(c9);
+  a9.run();
+  const g9 = c9.grid, S = g9.size;
+  const resTiles = [], indTiles = [];
+  for (let i = 0; i < g9.n; i++) {
+    if (g9.zone[i] === ZONE.RES) resTiles.push([i % S, (i / S) | 0]);
+    if (g9.zone[i] === ZONE.IND) indTiles.push([i % S, (i / S) | 0]);
+  }
+  ok(resTiles.length > 0 && indTiles.length > 0, `genesis zones both banks (res ${resTiles.length}, ind ${indTiles.length})`);
+  let minDist = Infinity;
+  for (const [rx, rz] of resTiles) for (const [ix, iz] of indTiles) {
+    const d = Math.max(Math.abs(rx - ix), Math.abs(rz - iz));
+    if (d < minDist) minDist = d;
+  }
+  ok(minDist >= 3, `industry set back from homes (min gap ${minDist})`);
+
+  // budget discipline: never more than one big-ticket purchase per pass
+  const c10 = new City(555, 'Richville', );
+  c10.money = 40000;
+  for (let x = 8; x < 40; x++) c10.placeStruct(STRUCT.ROAD, x, 30);
+  const rt = [];
+  for (let x = 9; x < 30; x++) for (let z = 27; z <= 33; z++) rt.push([x, z]);
+  c10.placeZone(ZONE.RES, rt);
+  for (let i = 0; i < 6; i++) c10.tick();
+  const a10 = new AutoBuilder(c10);
+  let worstBig = 0;
+  for (let pass = 0; pass < 4; pass++) {
+    a10.run();
+    worstBig = Math.max(worstBig, a10.bigSpends);
+  }
+  ok(worstBig <= 1, `at most one big-ticket per pass (worst ${worstBig})`);
+}
+
 console.log(`\n${pass} passed, ${fail} failed`);
 process.exit(fail ? 1 : 0);