fix(#165,#166,#167,#168,#169,#171,#172): resolve 7 open bug issues

#172 - Grimoire tab: removed dead 'loaded' state guard that permanently showed loading
#169 - Transference Mana Flow: added elements param to checkDisciplinePrerequisites so mana type unlocks are verified
#168 - Perk descriptions: wired 4 broken perks (enchant-2, channel-1, golem-2, efficiency-1) with actual bonus effects; fixed enchant-1 interval (5→50); fixed study-mana-enchantments stat (maxMana→maxManaBonus)
#171 - Shields: removed all shield equipment (4 types), recipes, category, slot mappings; added 'shields' to AGENTS.md banned list
#166 - regenMultiplier: merged disciplineEffects.multipliers.regenMultiplier into computeAllEffects()
#165 - Meditation cap: added meditationCap display to ManaStatsSection UI; updated perk description
#167 - XP accumulation: added Meditative Mastery base discipline with disciplineXpBonus stat; wired into tick pipeline

src/components/game/tabs/StatsTab/ManaStatsSection.tsx

@@ -11,6 +11,7 @@ export interface ManaStatsData {
   effectiveRegen: number;
   clickMana: number;
   meditationMultiplier: number;
+  meditationCap: number;
   upgradeEffects: ComputedEffects;
   incursionStrength: number;
   rawMana: number;
@@ -124,6 +125,10 @@ export function ManaStatsSection({ stats, elemMax }: ManaStatsSectionProps) {
                 {fmtDec(meditationMultiplier, 2)}x
               </span>
             </div>
+            <div className="flex justify-between text-sm">
+              <span style={{ color: 'var(--text-muted)' }}>Meditation Cap:</span>
+              <span style={{ color: 'var(--text-secondary)' }}>{fmtDec(stats.meditationCap, 1)}x</span>
+            </div>
             <div className="flex justify-between text-sm">
               <span style={{ color: 'var(--text-muted)' }}>Incursion Strength:</span>
               <span style={{ color: 'var(--color-danger)' }}>{Math.round(incursionStrength * 100)}%</span>