feat: UX enhancements, member limits, forecast fix, and menu cleanup (v2026.3.19)

- Onboarding wizard: add Reserve Account step between Operating and Assessments,
  redirect to Budget Planning on completion
- Dashboard: health score pending state shows clickable links to set up missing items
- Projects/Vendors: rich empty-state wizard screens with real-world examples and CTAs
- Investment Planning: auto-refresh AI recommendations when empty or stale (>30 days)
- Hide Invoices and Payments menus (see PARKING-LOT.md for re-enablement)
- Send welcome email via Resend when new members are added to a tenant
- Enforce 5-member limit for Starter/Standard/Professional plans (Enterprise unlimited)
- Cash flow forecast: only mark months as "Actual" when journal entries exist,
  fixing the issue where months without data showed as actuals
- Bump version to 2026.3.19

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

frontend/src/pages/vendors/VendorsPage.tsx

@@ -1,13 +1,13 @@
 import { useState, useRef } from 'react';
 import {
   Title, Table, Group, Button, Stack, TextInput, Modal,
-  Switch, Badge, ActionIcon, Text, Loader, Center,
+  Switch, Badge, ActionIcon, Text, Loader, Center, Card, ThemeIcon, List,
 } from '@mantine/core';
 import { DateInput } from '@mantine/dates';
 import { useForm } from '@mantine/form';
 import { useDisclosure } from '@mantine/hooks';
 import { notifications } from '@mantine/notifications';
-import { IconPlus, IconEdit, IconSearch, IconUpload, IconDownload } from '@tabler/icons-react';
+import { IconPlus, IconEdit, IconSearch, IconUpload, IconDownload, IconUsers, IconBulb, IconRocket } from '@tabler/icons-react';
 import { useQuery, useMutation, useQueryClient } from '@tanstack/react-query';
 import api from '../../services/api';
 import { useIsReadOnly } from '../../stores/authStore';
@@ -153,7 +153,63 @@ export function VendorsPage() {
               <Table.Td>{!isReadOnly && <ActionIcon variant="subtle" onClick={() => handleEdit(v)}><IconEdit size={16} /></ActionIcon>}</Table.Td>
             </Table.Tr>
           ))}
-          {filtered.length === 0 && <Table.Tr><Table.Td colSpan={8}><Text ta="center" c="dimmed" py="lg">No vendors yet</Text></Table.Td></Table.Tr>}
+          {filtered.length === 0 && vendors.length === 0 && (
+            <Table.Tr>
+              <Table.Td colSpan={8} p={0}>
+                <Card p="xl" style={{ textAlign: 'center' }}>
+                  <ThemeIcon size={60} radius="xl" variant="gradient" gradient={{ from: 'orange', to: 'yellow' }} mx="auto" mb="md">
+                    <IconUsers size={32} />
+                  </ThemeIcon>
+                  <Title order={3} mb="xs">Vendor Management</Title>
+                  <Text c="dimmed" maw={550} mx="auto" mb="lg">
+                    Keep track of your HOA&apos;s service providers, contractors, and suppliers.
+                    Having a centralized vendor directory helps with 1099 reporting, contract
+                    renewal tracking, and comparing year-over-year spending.
+                  </Text>
+                  <Card withBorder p="md" maw={550} mx="auto" mb="lg" ta="left">
+                    <Text fw={600} mb="xs">
+                      <IconBulb size={16} style={{ verticalAlign: 'middle', marginRight: 6 }} />
+                      Common HOA Vendors to Track
+                    </Text>
+                    <List size="sm" spacing="xs" c="dimmed">
+                      <List.Item><Text span fw={500} c="dark">Landscaping Company</Text> — Lawn care, tree trimming, seasonal planting</List.Item>
+                      <List.Item><Text span fw={500} c="dark">Property Management</Text> — Day-to-day management and tenant communications</List.Item>
+                      <List.Item><Text span fw={500} c="dark">Insurance Provider</Text> — Master policy for buildings and common areas</List.Item>
+                      <List.Item><Text span fw={500} c="dark">Pool Maintenance</Text> — Weekly chemical testing, cleaning, and equipment repair</List.Item>
+                      <List.Item><Text span fw={500} c="dark">Snow Removal / Paving</Text> — Winter plowing and parking lot maintenance</List.Item>
+                      <List.Item><Text span fw={500} c="dark">Attorney / CPA</Text> — Legal counsel and annual financial review</List.Item>
+                    </List>
+                  </Card>
+                  <Group justify="center" gap="md">
+                    {!isReadOnly && (
+                      <>
+                        <Button
+                          size="md"
+                          leftSection={<IconRocket size={18} />}
+                          variant="gradient"
+                          gradient={{ from: 'orange', to: 'yellow' }}
+                          onClick={() => { setEditing(null); form.reset(); open(); }}
+                        >
+                          Add Your First Vendor
+                        </Button>
+                        <Button
+                          size="md"
+                          variant="light"
+                          leftSection={<IconUpload size={16} />}
+                          onClick={() => fileInputRef.current?.click()}
+                        >
+                          Import from CSV
+                        </Button>
+                      </>
+                    )}
+                  </Group>
+                </Card>
+              </Table.Td>
+            </Table.Tr>
+          )}
+          {filtered.length === 0 && vendors.length > 0 && (
+            <Table.Tr><Table.Td colSpan={8}><Text ta="center" c="dimmed" py="lg">No vendors match your search</Text></Table.Td></Table.Tr>
+          )}
         </Table.Tbody>
       </Table>
       <Modal opened={opened} onClose={close} title={editing ? 'Edit Vendor' : 'New Vendor'}>