Account Effects & Unlocks — combined active bonuses from merits +
completed education. One row per effect family with its source(s);
merit figures exact, course figures quoted from official catalog text;
never summed across sources, never double counted; unknown stays unknown.

/education: Account effects block + earned degrees/honors.
/merits: Current effects regrouped per family, percent/flat/special
separated. No migration, no new upstream calls, no new endpoints.