Add crop refinement, finger removal, and local LLM naming

- vision/refine.py: tighten crops to the paper band (removes mat
  margins and hands beside receipts) and inpaint border-connected
  skin regions so fingers disappear from output
- llm/vision.py: identify documents with a local Ollama vision model
  (qwen2.5vl); extracts vendor/date/total/form code and flags quality
  issues (fingers, blur, glare); falls back to Tesseract when down
- pipeline: drop blank pages, dedupe consecutive captures of the same
  document, record refine/LLM fields in report and export summary

tests/test_naming.py

@@ -46,6 +46,22 @@ def test_build_name_nothing_found():
     assert result.source == "none"
 
 
+def test_build_name_tax_form_with_year_and_org():
+    dt = datetime(2026, 1, 1, 12, 0, 0)
+    result = build_name(
+        None, "T4 YORK UNIVERSITY", dt,
+        form_code="T4", tax_year="2023", org_name="YORK UNIVERSITY",
+    )
+    assert result.stem == "2023_T4_york_university"
+    assert result.source == "ocr"
+
+
+def test_build_name_tax_form_year_only():
+    dt = datetime(2026, 1, 1, 12, 0, 0)
+    result = build_name(None, "T4", dt, form_code="T4", tax_year="2023")
+    assert result.stem == "2023_T4"
+
+
 def test_dedupe_stem_no_collision():
     used: set[str] = set()
     assert dedupe_stem("2023-03-14_metro", used) == "2023-03-14_metro"