Function resolve_effective_plan_cached 

pub fn resolve_effective_plan_cached() -> EffectivePlan

Resolve the effective plan from the local cache only (no network), applying the offline-grace policy. Use this on hot paths (dashboard requests); use refresh_effective_plan when a live confirmation is acceptable.

Commercial entitlements (incl. any self-hosted offline Enterprise license) are resolved by the control-plane and reach this client as the cached/live plan — the open engine carries no licensing logic (oss-plane-separation-v1).