v0.1.12 — docker-compose + dispatcher coverage

Added

• docker-compose.yml for running ledgerly locally without
  installing Node. Single ledgerly service using the published GHCR
  image, a named volume (ledgerly-data) for SQLite persistence, and
  env_file: .env for configuration. The README's new "Docker Compose
  (local dev)" subsection documents the two-terminal workflow: run
  stripe listen on the host to mint a webhook signing secret, paste
  it into .env, then docker compose up.

  No stripe-cli sidecar by design — stripe listen mints a fresh
  signing secret per session, which ledgerly needs at boot to verify
  signatures; bridging them inside Compose would need a shared volume

  • entrypoint wait script for more complexity than it earns. The
    compose file's header comment and the README both explain this so
    the next reader doesn't retry that approach.

Changed

• Test coverage on the managed dispatchers (managedQbo,
  managedXero) raised from 80% to 100% branch coverage. Three tests
  per file now exercise the previously-untested branches: the
  globalThis.fetch fallback when no fetch is configured, the
  custom-apiBase forwarding path, and the String(err) coercion in
  the 401-retry catch when a non-Error value is thrown. No source
  changes — the branches were always reachable, just untested.
  Overall coverage: 93.23% statements, 88.94% branches.