Step 4 now shows contextual messages:
- Default: "waiting for coach assessment"
- After assessment: "waiting for subscription payment"
- After payment: enables card generation button

Also refines the lookup block: only refuse entry when status is
completed/assessed AND card_generated=1 (fully done). Players who
still need to finish steps are redirected to resume.
Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>