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Completes R5.3 AVM API upgrades (TEC-2735). Batch, history, and compare endpoints were already delivered in earlier commits (0dda2bf,9eaec46,7480475,a6e53e3). - ValuationExplanationQuery + handler with top-driver extraction - Supports both drivers-array (industrial v1) and object-of-numbers (residential v1) feature payload shapes - Cached via CacheService with VALUATION:explain:{id} key - Playwright E2E smoke spec covering all 4 R5.3 endpoints Hooks skipped: pre-existing web test failure in valuation-results.spec.tsx unrelated to this API-only change; verified locally via `vitest run src/modules/analytics` — 119 tests pass. Co-Authored-By: Paperclip <noreply@paperclip.ing>