fix(rules): correct the inspire courage bonus type and saves

PF1e CRB (Bardic Performance - Inspire Courage): the attack/weapon-damage
bonus is a COMPETENCE bonus (not morale), so it stacks with morale sources
like Heroism; the performance also grants a +1 MORALE bonus on saving throws
against charm and fear effects, implemented as two descriptor-conditional
will modifiers (fear / mind_affecting) that dedupe via morale stacking.
Simplifications (documented): flat +1 (no scaling per four bard levels) and
mind_affecting stands in for the missing charm descriptor.

Ultraworked with [Sisyphus](https://github.com/code-yeongyu/oh-my-openagent)

Co-authored-by: Sisyphus <clio-agent@sisyphuslabs.ai>

tests/test_class_abilities.py

@@ -11,6 +11,7 @@ from typing import Literal
 
 from pf1e_simulator.combat import Action, CombatantState, CombatEngine, default_policy
 from pf1e_simulator.dice import parse_dice
+from pf1e_simulator.effects import ActiveBuff, StatModifier, resolve_modifiers
 from pf1e_simulator.grid import Grid
 from pf1e_simulator.map import MapSpec, TerrainType
 from pf1e_simulator.models import (
@@ -375,3 +376,61 @@ def test_normal_full_attack_has_no_spell_combat_penalty() -> None:
     assert any(
         "sword vs goblin d20=10+3=13" in line for line in engine._transcript
     )
+
+
+def _inspired_ally() -> tuple[CombatEngine, CombatantState, CombatantState]:
+    """Misty + one ally in 30ft, inspire courage executed on the ally."""
+    misty = _combatant("misty", resources={"bardic_rounds": 12})
+    ally = _combatant("ally")
+    engine, me, _ = _engine(misty, [_combatant("goblin", hp_max=6)])
+    ally_state = _state(ally, "players", (5, 7))
+    engine.states.append(ally_state)
+    engine._execute(
+        me, Action(kind="inspire_courage", target_id=ally_state.combatant.id)
+    )
+    return engine, me, ally_state
+
+
+def test_inspire_courage_grants_competence_attack_damage() -> None:
+    """CRB Inspire Courage: the attack/damage bonus is COMPETENCE (not morale)."""
+    _, _, ally = _inspired_ally()
+    mods = {
+        (m.target, m.bonus_type): m.value
+        for buff in ally.active_buffs
+        for m in buff.modifiers
+    }
+    assert mods[("attack", "competence")] == 1
+    assert mods[("damage", "competence")] == 1
+
+
+def test_inspire_courage_stacks_with_heroism_morale() -> None:
+    """CRB stacking: +1 competence (inspire courage) and +2 morale (heroism)
+    are different bonus types — both apply to the attack roll."""
+    engine, _, ally = _inspired_ally()
+    ally.active_buffs.append(
+        ActiveBuff(
+            modifiers=(StatModifier(target="attack", value=2, bonus_type="morale"),),
+            rounds_left=10,
+            source="heroism",
+        )
+    )
+    total = resolve_modifiers(engine._stat_modifiers(ally, "attack"))
+    assert total == 3  # competence +1 + morale +2
+
+
+def test_inspire_courage_morale_bonus_on_charm_and_fear_saves() -> None:
+    """CRB Inspire Courage: +1 morale on saves vs charm (mind_affecting) and
+    fear; morale never stacks with itself, so both descriptors total +1."""
+    engine, _, ally = _inspired_ally()
+
+    def will_bonus(*descriptors: str) -> int:
+        return resolve_modifiers(
+            engine._stat_modifiers(
+                ally, "will", save_descriptors=frozenset(descriptors)
+            )
+        )
+
+    assert will_bonus("fear") == 1
+    assert will_bonus("mind_affecting") == 1
+    assert will_bonus("fear", "mind_affecting") == 1
+    assert will_bonus() == 0