Onboarding: template backlink, bulk-create endpoint, climate-region scoring

Clients that send users through a multi-task onboarding step no longer
loop N POST /api/tasks/ calls and no longer create "orphan" tasks with
no reference to the TaskTemplate they came from.

Task model
- New task_template_id column + GORM FK (migration 000016)
- CreateTaskRequest.template_id, TaskResponse.template_id
- task_service.CreateTask persists the backlink

Bulk endpoint
- POST /api/tasks/bulk/ — 1-50 tasks in a single transaction,
  returns every created row + TotalSummary. Single residence access
  check, per-entry residence_id is overridden with batch value
- task_handler.BulkCreateTasks + task_service.BulkCreateTasks using
  db.Transaction; task_repo.CreateTx + FindByIDTx helpers

Climate-region scoring
- templateConditions gains ClimateRegionID; suggestion_service scores
  residence.PostalCode -> ZipToState -> GetClimateRegionIDByState against
  the template's conditions JSON (no penalty on mismatch / unknown ZIP)
- regionMatchBonus 0.35, totalProfileFields 14 -> 15
- Standalone GET /api/tasks/templates/by-region/ removed; legacy
  task_tasktemplate_regions many-to-many dropped (migration 000017).
  Region affinity now lives entirely in the template's conditions JSON

Tests
- +11 cases across task_service_test, task_handler_test, suggestion_
  service_test: template_id persistence, bulk rollback + cap + auth,
  region match / mismatch / no-ZIP / unknown-ZIP / stacks-with-others

Docs
- docs/openapi.yaml: /tasks/bulk/ + BulkCreateTasks schemas, template_id
  on TaskResponse + CreateTaskRequest, /templates/by-region/ removed

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

internal/services/suggestion_service_test.go

@@ -142,8 +142,8 @@ func TestSuggestionService_ProfileCompleteness(t *testing.T) {
 
 	resp, err := service.GetSuggestions(residence.ID, user.ID)
 	require.NoError(t, err)
-	// 4 fields filled out of 14
-	expectedCompleteness := 4.0 / 14.0
+	// 4 fields filled out of 15 (home-profile fields + ZIP/region)
+	expectedCompleteness := 4.0 / float64(totalProfileFields)
 	assert.InDelta(t, expectedCompleteness, resp.ProfileCompleteness, 0.01)
 }
 
@@ -336,6 +336,7 @@ func TestCalculateProfileCompleteness_FullProfile(t *testing.T) {
 		ExteriorType:       &et,
 		FlooringPrimary:    &fp,
 		LandscapingType:    &lt,
+		PostalCode:         "10001", // NY → zone 5 — counts as the 15th field
 	}
 
 	completeness := CalculateProfileCompleteness(residence)
@@ -699,4 +700,140 @@ func TestTemplateConditions_IsEmpty(t *testing.T) {
 	pt := "House"
 	cond4 := &templateConditions{PropertyType: &pt}
 	assert.False(t, cond4.isEmpty())
+
+	var regionID uint = 5
+	cond5 := &templateConditions{ClimateRegionID: &regionID}
+	assert.False(t, cond5.isEmpty())
+}
+
+// === Climate region condition (15th field) ===
+
+func TestSuggestionService_ClimateRegionMatch(t *testing.T) {
+	service := setupSuggestionService(t)
+	user := testutil.CreateTestUser(t, service.db, "owner", "owner@test.com", "password")
+
+	// NY ZIP 10001 → prefix 100 → NY → zone 5 (Cold)
+	residence := &models.Residence{
+		OwnerID:    user.ID,
+		Name:       "NYC House",
+		IsActive:   true,
+		IsPrimary:  true,
+		PostalCode: "10001",
+	}
+	require.NoError(t, service.db.Create(residence).Error)
+
+	// Template tagged for zone 5 (Cold)
+	createTemplateWithConditions(t, service, "Winterize Sprinkler", map[string]interface{}{
+		"climate_region_id": 5,
+	})
+
+	resp, err := service.GetSuggestions(residence.ID, user.ID)
+	require.NoError(t, err)
+	require.Len(t, resp.Suggestions, 1)
+	assert.InDelta(t, climateRegionBonus, resp.Suggestions[0].RelevanceScore, 0.001)
+	assert.Contains(t, resp.Suggestions[0].MatchReasons, "climate_region")
+}
+
+func TestSuggestionService_ClimateRegionMismatch(t *testing.T) {
+	service := setupSuggestionService(t)
+	user := testutil.CreateTestUser(t, service.db, "owner", "owner@test.com", "password")
+
+	// FL ZIP 33101 → FL → zone 1 (Hot-Humid)
+	residence := &models.Residence{
+		OwnerID:    user.ID,
+		Name:       "Miami House",
+		IsActive:   true,
+		IsPrimary:  true,
+		PostalCode: "33101",
+	}
+	require.NoError(t, service.db.Create(residence).Error)
+
+	// Template tagged for zone 6 (Very Cold) — no match
+	createTemplateWithConditions(t, service, "Snowblower Service", map[string]interface{}{
+		"climate_region_id": 6,
+	})
+
+	resp, err := service.GetSuggestions(residence.ID, user.ID)
+	require.NoError(t, err)
+	require.Len(t, resp.Suggestions, 1) // Still included — mismatch doesn't exclude
+	assert.InDelta(t, baseUniversalScore*0.5, resp.Suggestions[0].RelevanceScore, 0.001)
+	assert.Contains(t, resp.Suggestions[0].MatchReasons, "partial_profile")
+}
+
+func TestSuggestionService_ClimateRegionIgnoredWhenNoZip(t *testing.T) {
+	service := setupSuggestionService(t)
+	user := testutil.CreateTestUser(t, service.db, "owner", "owner@test.com", "password")
+
+	// Explicitly blank ZIP — testutil.CreateTestResidence seeds "12345" by
+	// default, which maps to NY/zone 5, so we can't reuse the helper here.
+	residence := &models.Residence{
+		OwnerID:    user.ID,
+		Name:       "No ZIP House",
+		IsActive:   true,
+		IsPrimary:  true,
+		PostalCode: "",
+	}
+	require.NoError(t, service.db.Create(residence).Error)
+
+	createTemplateWithConditions(t, service, "Zone-Specific Task", map[string]interface{}{
+		"climate_region_id": 5,
+	})
+
+	resp, err := service.GetSuggestions(residence.ID, user.ID)
+	require.NoError(t, err)
+	require.Len(t, resp.Suggestions, 1) // Still included, just no bonus
+	assert.InDelta(t, baseUniversalScore*0.5, resp.Suggestions[0].RelevanceScore, 0.001)
+}
+
+func TestSuggestionService_ClimateRegionUnknownZip(t *testing.T) {
+	service := setupSuggestionService(t)
+	user := testutil.CreateTestUser(t, service.db, "owner", "owner@test.com", "password")
+
+	residence := &models.Residence{
+		OwnerID:    user.ID,
+		Name:       "Garbage ZIP House",
+		IsActive:   true,
+		IsPrimary:  true,
+		PostalCode: "XYZ12", // not a real US ZIP
+	}
+	require.NoError(t, service.db.Create(residence).Error)
+
+	createTemplateWithConditions(t, service, "Zone-Specific Task", map[string]interface{}{
+		"climate_region_id": 5,
+	})
+
+	resp, err := service.GetSuggestions(residence.ID, user.ID)
+	require.NoError(t, err)
+	require.Len(t, resp.Suggestions, 1)
+	// Unknown ZIP → 0 region → no match, but no crash
+	assert.Contains(t, resp.Suggestions[0].MatchReasons, "partial_profile")
+}
+
+func TestSuggestionService_ClimateRegionStacksWithOtherConditions(t *testing.T) {
+	service := setupSuggestionService(t)
+	user := testutil.CreateTestUser(t, service.db, "owner", "owner@test.com", "password")
+
+	heatingType := "gas_furnace"
+	residence := &models.Residence{
+		OwnerID:     user.ID,
+		Name:        "NY Gas House",
+		IsActive:    true,
+		IsPrimary:   true,
+		PostalCode:  "10001", // NY → zone 5
+		HeatingType: &heatingType,
+	}
+	require.NoError(t, service.db.Create(residence).Error)
+
+	createTemplateWithConditions(t, service, "Winterize Gas Furnace", map[string]interface{}{
+		"heating_type":      "gas_furnace",
+		"climate_region_id": 5,
+	})
+
+	resp, err := service.GetSuggestions(residence.ID, user.ID)
+	require.NoError(t, err)
+	require.Len(t, resp.Suggestions, 1)
+	// Both bonuses should apply: stringMatchBonus + climateRegionBonus
+	assert.InDelta(t, stringMatchBonus+climateRegionBonus, resp.Suggestions[0].RelevanceScore, 0.001)
+	assert.Contains(t, resp.Suggestions[0].MatchReasons, "heating_type:gas_furnace")
+	assert.Contains(t, resp.Suggestions[0].MatchReasons, "climate_region")
 }