refactor: take card-state in org-drill-determine-next-interval-sm2

Stage 3 of #147. sm2 now takes (state quality) instead of seven positional args, binding the recall fields from the struct at the top so the algorithm body is unchanged. The smart-reschedule and hypothetical-next-review-date call sites pass the state they already hold, which drops the per-branch accessor unpacking.

I kept the return as the existing positional list rather than restructuring it too. The goal is reducing the input signature, and changing the return shape would force the shared test extractors and every return-read to change for no real gain. A testutil adapter, test-scheduler--call-sm2, packs positional args into the struct, so the test call sites stay readable as the documented algorithm inputs and the migration is a one-symbol rename per call.

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