SUPERAPP ACADEMY V12 — UPDATE FUNGSI GABUNGAN BANK SOAL DAN METODE LATIHAN

Perubahan penting:
- app/Services/AttemptService.php
- app/Services/ScoreEngine.php
- app/Services/QuestionFeedback.php (baru)
- app/Services/PassRuleService.php (baru)
- app/Services/RankingService.php (baru)
- app/Controllers/Web/ExamController.php
- app/Controllers/Web/MemberController.php
- app/Controllers/Admin/ExamController.php
- app/Views/web/{cat,result,ranking,detail,learn,history}.php
- app/Views/admin/{exams,exam_detail}.php
- app/Views/layouts/{web,member,admin,cat}.php
- public/assets/v12/app.css (baru)
- app/Config/Routes.php
- database/IMPORT_SEKALI.sql (baru/instalasi kosong)
- database/UPGRADE_V11_KE_V12.sql (upgrade database V11)
- tests/smoke_v12.php

PENTING: Jalankan SQL upgrade pada database V11 yang sudah berisi data, jangan impor IMPORT_SEKALI.
PENTING: .env hanya template placeholder: isi setting asli sebelum dipakai.