Add encounter difficulty indicator (5.5e XP budget)

Live 3-bar difficulty indicator in the top bar showing encounter
difficulty (Trivial/Low/Moderate/High) based on the 2024 5.5e XP
budget system. Automatically derived from PC levels and bestiary
creature CRs.

- Add optional level field (1-20) to PlayerCharacter
- Add CR-to-XP and XP Budget per Character lookup tables in domain
- Add calculateEncounterDifficulty pure function
- Add DifficultyIndicator component with color-coded bars and tooltip
- Add useDifficulty hook composing encounter, PC, and bestiary contexts
- Indicator hidden when no PCs with levels or no bestiary-linked monsters
- Level field in PC create/edit forms, persisted in storage

Closes #18

Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>

apps/web/src/components/difficulty-indicator.tsx

@@ -0,0 +1,39 @@
+import type { DifficultyResult, DifficultyTier } from "@initiative/domain";
+import { cn } from "../lib/utils.js";
+
+const TIER_CONFIG: Record<
+	DifficultyTier,
+	{ filledBars: number; color: string; label: string }
+> = {
+	trivial: { filledBars: 0, color: "", label: "Trivial" },
+	low: { filledBars: 1, color: "bg-green-500", label: "Low" },
+	moderate: { filledBars: 2, color: "bg-yellow-500", label: "Moderate" },
+	high: { filledBars: 3, color: "bg-red-500", label: "High" },
+};
+
+const BAR_HEIGHTS = ["h-2", "h-3", "h-4"] as const;
+
+export function DifficultyIndicator({ result }: { result: DifficultyResult }) {
+	const config = TIER_CONFIG[result.tier];
+	const tooltip = `${config.label} encounter difficulty`;
+
+	return (
+		<div
+			className="flex items-end gap-0.5"
+			title={tooltip}
+			role="img"
+			aria-label={tooltip}
+		>
+			{BAR_HEIGHTS.map((height, i) => (
+				<div
+					key={height}
+					className={cn(
+						"w-1 rounded-sm",
+						height,
+						i < config.filledBars ? config.color : "bg-muted",
+					)}
+				/>
+			))}
+		</div>
+	);
+}