feat(05-03): policy-level BudgetSummary, incident-based BudgetAlertBanner, AgentEditor policy wiring

- BudgetSummary shows policy-level utilization bars when companyId provided, falls back to agent-level
- BudgetAlertBanner loads open incidents for policy-based alerts (warn_threshold/hard_stop), falls back to agent thresholds
- AgentEditor reads budget from budget_policies and writes budget as policy on save (D-11)
- Dashboard passes companyId through to BudgetAlertBanner

src/renderer/components/organization/AgentEditor.tsx

@@ -1,6 +1,6 @@
 import { useEffect, useMemo, useState } from "react";
 import { Pencil, Trash } from "@phosphor-icons/react";
-import type { AgentRecord, ConnectorRecord, WorkspaceRecord } from "@shared/types";
+import type { AgentRecord, BudgetPolicyRecord, ConnectorRecord, WorkspaceRecord } from "@shared/types";
 import { getConnectorExecutionReadinessIssue, isConnectorExecutionReady } from "@shared/connector-policy";
 import { unwrap } from "../../lib/desktop";
 import { useAppStore } from "../../state/store";
@@ -87,6 +87,23 @@ export function AgentEditor({
     }
   }, [companyId, skills.length, setSkills]);
 
+  // Load agent's budget policy (D-11: read from budget_policies)
+  const [agentPolicy, setAgentPolicy] = useState<BudgetPolicyRecord | null>(null);
+  useEffect(() => {
+    void (async () => {
+      const result = await window.agentCompany.listBudgetPolicies(companyId);
+      if (result.ok) {
+        const policy = result.data.find(
+          (p) => p.scopeType === "agent" && p.scopeId === agent.id
+        );
+        if (policy) {
+          setAgentPolicy(policy);
+          setBudget(String((policy.amount / 100).toFixed(2)));
+        }
+      }
+    })();
+  }, [companyId, agent.id]);
+
   const managerCandidates = agents.filter((a) => a.id !== agent.id);
 
   return (
@@ -194,6 +211,7 @@ export function AgentEditor({
               if (thinkingEffort) meta.thinkingEffort = thinkingEffort;
               else delete meta.thinkingEffort;
               try {
+                const budgetDollars = Number(budget || 0);
                 unwrap(await window.agentCompany.saveAgent({
                   id: agent.id,
                   companyId,
@@ -206,9 +224,24 @@ export function AgentEditor({
                   reportsTo: reportsTo || null,
                   model: model || null,
                   metadataJson: JSON.stringify(meta),
-                  budgetMonthlyUsd: Number(budget || 0),
+                  budgetMonthlyUsd: budgetDollars,
                   capabilities,
                 }));
+                // D-11: Also write to budget_policies for policy-based enforcement
+                if (budgetDollars > 0 && agent.id) {
+                  await window.agentCompany.saveBudgetPolicy({
+                    companyId,
+                    scopeType: "agent",
+                    scopeId: agent.id,
+                    metric: "billed_cents",
+                    windowKind: "calendar_month_utc",
+                    amount: Math.round(budgetDollars * 100),
+                    warnPercent: agentPolicy?.warnPercent ?? 80,
+                    hardStopEnabled: agentPolicy?.hardStopEnabled ?? true,
+                    notifyEnabled: agentPolicy?.notifyEnabled ?? true,
+                    isActive: true,
+                  });
+                }
                 await onSaved();
               } catch (error) {
                 setSaveError(error instanceof Error ? error.message : "Failed to save agent.");