Add higher education institutions

[philoserf]

Summary

• transcribe the complete seven-column Available Skills matrix
• add Army, Navy, and Marine service academies
• add Medical School, Law School, Honors, OTC/NOTC, and Flight School
• add assigned Army/Navy/Marine schools and Command College
• record graduation, honors, commission, and Flight status in education history
• preserve the established College/University/graduate-school flow and dice order

Why

Character education previously stopped at the academic ladder and Trade School. The remaining institutions need explicit, testable operations so policy can select them without hiding branch choice, waivers, or assigned military timing inside the existing generator.

Impact

Existing character generation remains unchanged unless a caller explicitly invokes AttendInstitution. Institution selection and waiver decisions remain policy-controlled.

The source labels both Medical School and Marine Academy with M; this implementation gives them distinct typed columns and regression tests so their skill lists cannot silently merge.

Validation

• task check
• zero lint issues
• all repository tests pass

Closes #193

[philoserf]

Reviewed — leaving in draft, not merge-ready yet.

task check passes clean, scope matches issue #193, and the tests aren't fail-open (e.g. TestPrerequisiteWaiverIsPolicy scripts exactly one die so a removed gate would panic rather than silently pass). But internal/chargen/education_institutions.go breaks this repo's own citation convention: every sibling function in education.go cites a Book 1 page for its numeric rules, while this 367-line file has exactly one citation total (the file header). Every new magic number is uncited — the Edu<6 admission floor, Medical/Law School durations and skill bumps, the Honors BA+Int gate, Flight School's Dex-check, Command College's admission/check/skill mechanic, and the ANM School's Dex/End check plus an invented intersection-of-columns skill rule with no citation at all.

Given this codebase's history with mis-transcribed tables (drive-cost, IsBelt, etc.), these need page citations before a reviewer can verify them against the book. Minor/non-blocking: OTC and the Army/Marine ANM-School branches are untested (only NOTC/NavySchool are exercised).

Suggest adding "Book 1 p.N" citations to each institution's rule and re-requesting review.