feat(v0.4.7): report area 500px, heirs one-per-line, wizard line breaks, ALL-DUST guard

Owner-approved changes after testing v0.4.6, plus accumulated v0.4.x work,
task-tracking notes, and an updated project HANDOFF document.

The four v0.4.7 changes:

1. Report area (BalBuildWillDialog) opens 500px tall (min) up to 700px (max),
   then the scrollbar takes over. Previously it opened ~140px (too short).

2. Heirs are listed ONE per line again (green, bold) in _build_success_report,
   reverting the v0.4.6 single-line form. Heir names can be long and the report
   now scrolls, so compression is no longer needed.

3. Two wizard texts get an explicit line break: after "(or backup)" in the date
   hint and after "miner fees" in the fee note (widgets.py).

4. ALL-DUST guard: when EVERY heir's share is below the Bitcoin dust limit, the
   inheritance would pay nobody. Heirs.prepare_lists now raises
   HeirAmountIsDustException at the end (where all heirs across all locktimes
   are known with their final dust state), and dialogs.task_phase1 shows a clear
   RED message and stops without building/signing/checking. A mix of dust +
   valid heirs keeps building normally. The guard is intentionally in
   prepare_lists, NOT prepare_transactions (which only sees the lowest locktime
   and would false-positive). HeirAmountIsDustException is imported in common.py.

Tests: 3 new tests in test_core_heirs_extra.py pin the dust behaviour (all-dust
raises; mixed continues; multi-locktime continues). Full suite: 258 passed.
ruff: no new errors. Version bumped 0.4.6 -> 0.4.7 (4 files). CHANGELOG #23.

Also adds/updates HANDOFF.md so any future AI (Claude or another model) can
resume the project with full context (rules, layout, build/test/lint, dust
logic, git flow), and records the task-tracking notes in
.agent_memory_tasks.md.

bal/VERSION

@@ -1 +1 @@
-0.3.9
+0.4.7