Phase 8: AI-driven operating and reserve fund health scores

Add daily AI health score calculation (0-100) for both operating and
reserve funds. Scores include trajectory tracking, factor analysis,
recommendations, and data readiness checks. Dashboard displays
graphical RingProgress gauges with color-coded scores, trend
indicators, and expandable detail popovers.

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

backend/src/database/tenant-schema.service.ts

@@ -328,6 +328,25 @@ export class TenantSchemaService {
         created_at TIMESTAMPTZ DEFAULT NOW()
       )`,
 
+      // Health Scores (AI-derived operating / reserve fund health)
+      `CREATE TABLE "${s}".health_scores (
+        id UUID PRIMARY KEY DEFAULT uuid_generate_v4(),
+        score_type VARCHAR(20) NOT NULL CHECK (score_type IN ('operating', 'reserve')),
+        score INTEGER NOT NULL CHECK (score >= 0 AND score <= 100),
+        previous_score INTEGER,
+        trajectory VARCHAR(20) CHECK (trajectory IN ('improving', 'stable', 'declining')),
+        label VARCHAR(30),
+        summary TEXT,
+        factors JSONB,
+        recommendations JSONB,
+        missing_data JSONB,
+        status VARCHAR(20) NOT NULL DEFAULT 'complete' CHECK (status IN ('complete', 'pending', 'error')),
+        response_time_ms INTEGER,
+        calculated_at TIMESTAMPTZ DEFAULT NOW(),
+        created_at TIMESTAMPTZ DEFAULT NOW()
+      )`,
+      `CREATE INDEX "idx_${s}_hs_type_calc" ON "${s}".health_scores(score_type, calculated_at DESC)`,
+
       // Attachments (file storage for receipts/invoices)
       `CREATE TABLE "${s}".attachments (
         id UUID PRIMARY KEY DEFAULT uuid_generate_v4(),