feat: redirect to AI consent settings when consent is missing

- requestAiConsent now redirects to /settings/general?highlight=aiConsent
  instead of opening the modal when called outside the settings page
- Settings page highlights the consent section and scrolls to it
- Adds consent.ai.settingsBanner i18n key (fr/en)
- Keeps inline modal on /settings/general so the grant button still works

memento-note/lib/consent/ai-consent-redirect.ts

@@ -0,0 +1,24 @@
+import type { AppRouterInstance } from 'next/dist/shared/lib/app-router-context.shared-runtime'
+
+/**
+ * Redirects the user to General Settings with the AI consent section highlighted.
+ * Call this when an AI feature is blocked because the user has not granted consent.
+ */
+export function redirectToAiConsentSettings(
+  router: AppRouterInstance | ReturnType<typeof import('next/navigation').useRouter>,
+  options?: { replace?: boolean }
+) {
+  const url = '/settings/general?highlight=aiConsent'
+  if (options?.replace) {
+    router.replace(url)
+  } else {
+    router.push(url)
+  }
+}
+
+/**
+ * Returns the settings URL that highlights the AI consent section.
+ */
+export function getAiConsentSettingsUrl() {
+  return '/settings/general?highlight=aiConsent'
+}