Settings open in the panel on the right.
Press Esc or click outside to close, then use the gear icon (top-right) to reopen.
{# Loss-carryforward section — lazy-loaded fragment. Sits beneath the
drawer landing copy so deep-links into /settings surface the per-year
carryforward state without forcing a drawer-tab switch.
The drawer auto-opens on this page (entry-point logic in base.html), so
fetching at page-load would render content nobody can see — wasted work
plus a flash of underlying chrome during the drawer-close transition.
Defer to when the drawer is dismissed instead; if the user revisits with
the drawer already auto-opened, the fetch waits cleanly for them to close it. #}