fix(tbr): skip royalties bracket lookup when ROI charge is off

Reads the unit charge flags before resolving brackets: with charge_roi off the royalties faixa is no longer required (and FNM percentage is skipped when charge_fnm off), so a unit without a matching faixa no longer errors on generation.

app/Services/TbrCalculationService.php

@@ -234,11 +234,21 @@ private function buildPreview(FranchiseeContract $contract, int $referenceYear,
         $contractMonth = $this->resolveContractMonth($contract->start_date, $referenceYear, $referenceMonth);
         $municipalitySizeId = (int) $contract->municipality_size_id;
 
-        $royaltiesBracket  = $this->findRoyaltiesBracket($municipalitySizeId, $contractMonth);
-        $fnmPercentage     = $this->resolveFnmPercentage($contractMonth);
+        // Flags de cobrança da unidade (sem registro financeiro => cobra, padrão).
+        $financial = UnitFinancial::where('unit_id', $contract->unit_id)->first();
+        $chargeRoi = $financial ? (bool) $financial->charge_roi : true;
+        $chargeFnm = $financial ? (bool) $financial->charge_fnm : true;
+
+        // Royalties só busca a faixa quando há cobrança; desligado não exige faixa.
+        $royaltiesBracket = $chargeRoi
+            ? $this->findRoyaltiesBracket($municipalitySizeId, $contractMonth)
+            : null;
+        $royaltiesBracketPercentage = $royaltiesBracket ? (float) $royaltiesBracket->tbr_percentage : 0.0;
+
+        $fnmPercentage         = $chargeFnm ? $this->resolveFnmPercentage($contractMonth) : 0.0;
         $maintenancePercentage = self::MAINTENANCE_RATE;
 
-        $royaltiesBracketValue   = round((float) $royaltiesBracket->tbr_percentage * $tbrValue, 2);
+        $royaltiesBracketValue   = round($royaltiesBracketPercentage * $tbrValue, 2);
         $fnmBracketValue         = round($fnmPercentage * $tbrValue, 2);
         $maintenanceBracketValue = round($maintenancePercentage * $tbrValue, 2);
 
@@ -246,18 +256,13 @@ private function buildPreview(FranchiseeContract $contract, int $referenceYear,
          $fnmEffectiveValue, $fnmEffectivePercentage] = $this->resolveEffectiveValues(
             $contractMonth,
             $revenueValue,
-            (float) $royaltiesBracket->tbr_percentage,
+            $royaltiesBracketPercentage,
             $royaltiesBracketValue,
             $fnmPercentage,
             $fnmBracketValue,
         );
 
-        // Respeita os flags de cobrança da unidade: se desativado, zera o respectivo
-        // componente e ele não entra no total. Sem registro financeiro => cobra (padrão).
-        $financial = UnitFinancial::where('unit_id', $contract->unit_id)->first();
-        $chargeRoi = $financial ? (bool) $financial->charge_roi : true;
-        $chargeFnm = $financial ? (bool) $financial->charge_fnm : true;
-
+        // Cobrança desligada: zera o respectivo componente (fora do total).
         if (!$chargeRoi) {
             $royaltiesEffectiveValue      = 0.0;
             $royaltiesEffectivePercentage = 0.0;
@@ -286,8 +291,8 @@ private function buildPreview(FranchiseeContract $contract, int $referenceYear,
             'tbr_value'                        => $tbrValue,
             'municipality_size_id'             => $municipalitySizeId,
             'municipality_size_name'           => $contract->municipalitySize?->description,
-            'royalties_bracket_id'             => $royaltiesBracket->id,
-            'royalties_bracket_percentage'     => (float) $royaltiesBracket->tbr_percentage,
+            'royalties_bracket_id'             => $royaltiesBracket?->id,
+            'royalties_bracket_percentage'     => $royaltiesBracketPercentage,
             'royalties_bracket_value'          => $royaltiesBracketValue,
             'fnm_bracket_percentage'           => $fnmPercentage,
             'fnm_bracket_value'                => $fnmBracketValue,