fix(assessments): enable engine by default and wire into live UI

The assessment engine was built but opt-in and hidden: flag defaulted
off, no sidebar entry, and no settings toggle. Default assessments_engine
on, auto-seed catalog when empty, add Settings toggle and Assessments
nav, and surface guidance from the patients list.

app/Services/Care/CareFeatures.php

@@ -2,7 +2,12 @@
 
 namespace App\Services\Care;
 
+use App\Models\AssessmentTemplate;
 use App\Models\Organization;
+use Database\Seeders\AssessmentTemplateSeeder;
+use Database\Seeders\ClinicalPathwaySeeder;
+use Illuminate\Support\Facades\Artisan;
+use Illuminate\Support\Facades\Schema;
 
 /**
  * Product rollout flags stored under organization settings.rollout.*
@@ -16,12 +21,25 @@ class CareFeatures
 
     public const ASSESSMENT_REQUIRED_ON_COMPLETE = 'assessment_required_on_complete';
 
+    /**
+     * Flags that default ON when unset (opt-out). Others default OFF (opt-in).
+     *
+     * @var list<string>
+     */
+    protected array $defaultOn = [
+        self::ASSESSMENTS_ENGINE,
+    ];
+
     public function enabled(Organization $organization, string $flag): bool
     {
         $settings = $organization->settings ?? [];
         $rollout = is_array($settings['rollout'] ?? null) ? $settings['rollout'] : [];
 
-        return (bool) ($rollout[$flag] ?? false);
+        if (array_key_exists($flag, $rollout)) {
+            return (bool) $rollout[$flag];
+        }
+
+        return in_array($flag, $this->defaultOn, true);
     }
 
     /**
@@ -37,4 +55,31 @@ class CareFeatures
 
         return $organization->fresh();
     }
+
+    /**
+     * Ensure platform assessment/pathway catalog exists (idempotent seed).
+     * Call when the engine is enabled so consult/patient UI has templates.
+     */
+    public function ensureAssessmentCatalog(): void
+    {
+        if (! Schema::hasTable('care_assessment_templates')) {
+            return;
+        }
+
+        if (AssessmentTemplate::query()->whereNull('organization_id')->exists()) {
+            return;
+        }
+
+        Artisan::call('db:seed', [
+            '--class' => AssessmentTemplateSeeder::class,
+            '--force' => true,
+        ]);
+
+        if (Schema::hasTable('care_clinical_pathways')) {
+            Artisan::call('db:seed', [
+                '--class' => ClinicalPathwaySeeder::class,
+                '--force' => true,
+            ]);
+        }
+    }
 }