docs(11.1): create phase plan — agent and client initials

Added INIT-01 through INIT-04 requirements to REQUIREMENTS.md. Updated
ROADMAP.md with Phase 11.1 goal, success criteria, and plan list. Created
three plan files mirroring Phase 11 structure: 11.1-01 (DB migration, API
routes, AgentInitialsPanel, FieldPlacer token), 11.1-02 (preparePdf
agentInitialsData param + prepare route guard), 11.1-03 (human E2E
verification checkpoint).

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

.planning/ROADMAP.md

@@ -162,6 +162,7 @@ Plans:
 - [x] **Phase 9: Client Property Address** - Add property address to client profiles for AI pre-fill data sourcing (completed 2026-03-21)
 - [x] **Phase 10: Expanded Field Types End-to-End** - All new field types (text, checkbox, initials, date) available in field mapper UI and embedded correctly by the prepare pipeline (completed 2026-03-21)
 - [x] **Phase 11: Agent Saved Signature and Signing Workflow** - Draw once, save, apply to agent signature fields during document preparation before sending to client (completed 2026-03-21)
+- [ ] **Phase 11.1: Agent and Client Initials (INSERTED)** - Agent draws initials once, saves to profile, places agent-initials fields (embedded at prepare time); client-initials fields already wired via existing 'initials' type
 - [ ] **Phase 12: Filled Document Preview** - Agent sees a live filled preview of the fully-prepared document before the Send button is available
 - [ ] **Phase 13: AI Field Placement and Pre-fill** - One-click AI auto-placement of all field types plus pre-fill of text fields from client profile data
 
@@ -227,6 +228,24 @@ Plans:
 - [ ] 11-02-PLAN.md — preparePdf() agentSignatureData param + embedPng/drawImage at agent-sig coordinates; prepare route fetches agentSignatureData + 422 guard when sig missing
 - [x] 11-03-PLAN.md — Full Phase 11 human verification checkpoint (draw, save, place, prepare, verify embedded in PDF + absent from client signing page) (completed 2026-03-21)
 
+### Phase 11.1: Agent and Client Initials (INSERTED)
+
+**Goal**: Agent draws initials once, saves to their profile, places agent-initials fields on documents (embedded at prepare time, invisible to client); the existing 'initials' type already handles client-initials end-to-end with no changes required
+**Requirements**: INIT-01, INIT-02, INIT-03, INIT-04
+**Depends on**: Phase 11
+**Plans**: 3 plans
+
+**Success Criteria** (what must be TRUE):
+  1. Agent can draw and save initials on the profile page — thumbnail displayed
+  2. Agent can update (replace) saved initials at any time
+  3. Agent can place agent-initials token in FieldPlacer; prepared PDF embeds the initials PNG at each agent-initials field coordinate; field never surfaces to client during signing
+  4. The existing 'initials' token in FieldPlacer continues to work for client-initials; client is prompted to initial each field during signing session (no code changes needed — confirmed by Plan 01 verification)
+
+Plans:
+- [ ] 11.1-01-PLAN.md — DB migration (agentInitialsData TEXT on users), GET/PUT /api/agent/initials routes, AgentInitialsPanel component, profile page section, FieldPlacer agent-initials palette token (orange), isClientVisibleField() + SignatureFieldType updates
+- [ ] 11.1-02-PLAN.md — preparePdf() agentInitialsData param + embedPng/drawImage at agent-initials coordinates; prepare route fetches agentInitialsData + 422 guard; confirm 'initials' (client-initials) unchanged
+- [ ] 11.1-03-PLAN.md — Full Phase 11.1 human verification checkpoint
+
 ### Phase 12: Filled Document Preview
 **Goal**: Agent sees a live filled preview of the fully-prepared document — with all text, signatures, and field stamps embedded — before the Send button becomes available
 **Depends on**: Phase 11
@@ -262,7 +281,7 @@ Plans:
 ## Progress
 
 **Execution Order:**
-Phases execute in numeric order: 1 → 2 → 3 → 4 → 5 → 6 → 7 → 8 → 9 → 10 → 11 → 12 → 13
+Phases execute in numeric order: 1 → 2 → 3 → 4 → 5 → 6 → 7 → 8 → 9 → 10 → 11 → 11.1 → 12 → 13
 
 | Phase | Milestone | Plans Complete | Status | Completed |
 |-------|-----------|----------------|--------|-----------|
@@ -277,5 +296,6 @@ Phases execute in numeric order: 1 → 2 → 3 → 4 → 5 → 6 → 7 → 8 →
 | 9. Client Property Address | 1/1 | Complete    | 2026-03-21 | - |
 | 10. Expanded Field Types End-to-End | v1.1 | 3/3 | Complete | 2026-03-21 |
 | 11. Agent Saved Signature and Signing Workflow | 3/3 | Complete    | 2026-03-21 | - |
+| 11.1. Agent and Client Initials (INSERTED) | v1.1 | 0/3 | Not started | - |
 | 12. Filled Document Preview | v1.1 | 0/2 | Not started | - |
 | 13. AI Field Placement and Pre-fill | v1.1 | 0/4 | Not started | - |