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Closes https://linear.app/codercom/issue/AIGOV-287/add-effective-group-resolution Implements the effective AI budget resolution from the AI Governance cost-controls RFC: for a given user, a `user_ai_budget_overrides` row wins if present, otherwise the deployment budget policy (`highest`) picks the largest group budget across the user's groups, ties broken alphabetically. For now, I keep the logic under `coderd/aibridge/budget`, but that may change during the implementation of budget enforcement.