5. Add `lib/utils/format.ts` text formatting

[DeFiVC]

What: Add text formatting utilities for truncation, capitalization, and pluralization.

Why: Text needs consistent formatting (truncate "Course Title..." → "Course T...", capitalize "stellar" → "Stellar"). Ad-hoc formatting is inconsistent.

Scope: Add functions for: truncate, capitalize, pluralize, slugify. Handle edge cases (empty strings, special characters).

Acceptance criteria:

• Text is truncated correctly
• Capitalization works
• Pluralization works
• Edge cases are handled

Technical context: src/lib/utils/format.ts — format utils. Various components.

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