Version rate plans by effective date #46
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src/lib/rates.jshardcodes one tariff snapshot. Ameren MO rates change ~annually (a ~15.5% PSC case is pending per the spec's caveats). Restructure the rate constants as a dated list ([{effectiveFrom: '2025-06-01', ...rates}]) with lookup by row timestamp in both the hourly and parametric paths, so: historical bill reconciliation prices old months at old rates; projections can model the pending increase as a dated step instead of only a smooth escalation %; and a rate update is an append, not a rewrite. Bump CALCULATION_FORMULA_VERSION on schema change so caches invalidate once.Rationale: the spec froze a single tariff snapshot; nothing in the roadmap contemplated the tariff itself changing, though it changes roughly annually in Missouri. Without this, every future rate edit silently rewrites history.
Acceptance criteria
Relations: relates to #16 (formula-version/caching interplay), #24 (reconciliation correctness)
(Audit finding F-27, 2026-07-16 — feature, ranked #2)