fix: recover completed plan work through explicit acceptance

docs/changes/unreleased/1911-completed-plan-recovery.md

@@ -0,0 +1,17 @@
+---
+kind: fixed
+title: Recover completed plan work through explicit acceptance
+pr: 1911
+surface: [chat, engine]
+invalidates:
+  - "A plan completed before restart could remain interrupted with no working acceptance door. Its saved work now returns as your call, preserving the copy, crew, spend and completion time."
+  - "An unverified recovered plan could otherwise take an unattended default. Recovery waits for explicit acceptance or refusal and never replays the completed worker."
+---
+
+Existing task-page and conversation decisions can land the saved work and report
+its actual commit. Ownership, branch and Stop checks remain enforced; failed
+checkpoint or page-receipt writes report the actual outcome without claiming
+that a completed merge was rolled back or safely recorded.
+
+When the last checkpoint predates the final spending receipt, recovery restores
+the run's price from its existing ledger without charging the conversation again.