feat: sync rules with vault 2026-10-20 (borrowed mana, Odetchnięcie limit, Oszołomiony, Akcje Natychmiastowe)

Adds src/logic/rules.ts, counters, migration 1.4.0, III/IV mana swap, thaumaturgy school, tests, recompiled translations.

Co-Authored-By: Claude Sonnet 5.5 <noreply@anthropic.com>

lang/en.json

@@ -186,7 +186,8 @@
       "abyssAspects": "Abyss - Aspects",
       "abyssPrimal": "Abyss - Primal",
       "wildWitch": "Wild Witch",
-      "eldritch": "Eldritch"
+      "eldritch": "Eldritch",
+      "thaumaturgy": "Thaumaturgy"
     },
     "deity": {
       "common": "Common Prayers",
@@ -263,7 +264,7 @@
       "type": "Type",
       "passive": "Passive",
       "active": "Active",
-      "reaction": "Reaction",
+      "reaction": "Immediate Action",
       "freeAction": "Free Action",
       "prerequisite": "Prerequisite",
       "description": "Description",
@@ -323,7 +324,7 @@
       "languages": "Languages",
       "attacks": "Attacks",
       "specialAbilities": "Special Abilities",
-      "reactions": "Reactions",
+      "reactions": "Immediate Actions",
       "legendaryActions": "Legendary Actions",
       "savingThrows": "Saving Throws",
       "damageResistances": "Damage Resistances",
@@ -365,6 +366,9 @@
       "bypassNonCombatBlock": "Bypass non-combat block",
       "cast": "Cast",
       "notEnoughMana": "Not enough mana.",
+      "borrowMana": "Not enough mana - the shortfall is borrowed (Mana Exhaustion).",
+      "manaExhaustion": "Mana Exhaustion",
+      "incompetencePenalty": "Penalty for Incompetence",
       "notEnoughZeal": "Not enough zeal.",
       "notEnoughBlood": "Not enough blood.",
       "raceLocked": "Spell requires race: {races}.",
@@ -450,7 +454,7 @@
       "spend": "Spend",
       "attacks": "Attacks",
       "specialAbilities": "Special Abilities",
-      "reactions": "Reactions",
+      "reactions": "Immediate Actions",
       "legendaryActions": "Legendary Actions",
       "actionsTitle": "Quick Actions",
       "customEquipment": "Custom Equipment",