feat(panel): tooltip sweep — projects, products, social, KB, business, settings, notifications

All 34 feature flags get verified one-line tips; secret inputs state
the write-only contract; KB index types get canonical descriptions;
switch tips ride Labels so Radix data-state stays intact. Also fixes
the scorecard SectionLabel swallowing props, which made tooltips on it
silently inert.

panel/src/components/settings/telegram-credentials-card.tsx

@@ -6,6 +6,7 @@ import { telegramApi } from "@/lib/api";
 import { Label } from "@/components/ui/label";
 import { Input } from "@/components/ui/input";
 import { Button } from "@/components/ui/button";
+import { HelpTip } from "@/components/ui/help-tip";
 import {
   AlertDialog,
   AlertDialogAction,
@@ -87,9 +88,13 @@ export function TelegramCredentialsForm() {
       <div className="grid grid-cols-1 gap-4 sm:grid-cols-2">
         {FIELDS.map((field) => (
           <div key={field.key} className="space-y-2">
-            <Label htmlFor={`tg-cred-${field.key}`}>
-              {status?.has_credentials ? `Replace ${field.label}` : field.label}
-            </Label>
+            <HelpTip label="Stored encrypted server-side; never displayed again once saved.">
+              <Label htmlFor={`tg-cred-${field.key}`}>
+                {status?.has_credentials
+                  ? `Replace ${field.label}`
+                  : field.label}
+              </Label>
+            </HelpTip>
             <Input
               id={`tg-cred-${field.key}`}
               type="password"