Phase 7: Add user onboarding tour and tenant setup wizard

Feature 1 - How-To Intro Tour (react-joyride):
- 8-step guided walkthrough highlighting Dashboard, Accounts, Assessments,
  Transactions, Budgets, Reports, and AI Investment Planning
- Runs automatically on first login, tracked via has_seen_intro flag on user
- Centralized step config in config/tourSteps.ts for easy text editing
- data-tour attributes on Sidebar nav items and Dashboard for targeting

Feature 2 - Tenant Onboarding Wizard:
- 3-step modal wizard: create operating account, assessment group + units,
  import budget CSV
- Runs after tour completes, tracked via onboardingComplete in org settings JSONB
- Reuses existing API endpoints (POST /accounts, /assessment-groups, /units,
  /budgets/:year/import)

Backend changes:
- Add has_seen_intro column to shared.users + migration
- Add PATCH /auth/intro-seen endpoint to mark tour complete
- Add PATCH /organizations/settings endpoint for org settings updates
- Include hasSeenIntro in login response, settings in switch-org response

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

frontend/src/components/onboarding/AppTour.tsx

@@ -0,0 +1,93 @@
+import { useState, useCallback } from 'react';
+import Joyride, { type CallBackProps, STATUS, ACTIONS, EVENTS } from 'react-joyride';
+import { TOUR_STEPS } from '../../config/tourSteps';
+import { useAuthStore } from '../../stores/authStore';
+import api from '../../services/api';
+
+interface AppTourProps {
+  run: boolean;
+  onComplete: () => void;
+}
+
+export function AppTour({ run, onComplete }: AppTourProps) {
+  const [stepIndex, setStepIndex] = useState(0);
+  const setUserIntroSeen = useAuthStore((s) => s.setUserIntroSeen);
+
+  const handleCallback = useCallback(
+    async (data: CallBackProps) => {
+      const { status, action, type } = data;
+      const finishedStatuses: string[] = [STATUS.FINISHED, STATUS.SKIPPED];
+
+      if (finishedStatuses.includes(status)) {
+        // Mark intro as seen on backend (fire-and-forget)
+        api.patch('/auth/intro-seen').catch(() => {});
+        setUserIntroSeen();
+        onComplete();
+        return;
+      }
+
+      // Handle step navigation
+      if (type === EVENTS.STEP_AFTER) {
+        setStepIndex((prev) =>
+          action === ACTIONS.PREV ? prev - 1 : prev + 1,
+        );
+      }
+    },
+    [onComplete, setUserIntroSeen],
+  );
+
+  if (!run) return null;
+
+  return (
+    <Joyride
+      steps={TOUR_STEPS}
+      run={run}
+      stepIndex={stepIndex}
+      continuous
+      showProgress
+      showSkipButton
+      scrollToFirstStep
+      disableOverlayClose
+      callback={handleCallback}
+      styles={{
+        options: {
+          primaryColor: '#228be6',
+          zIndex: 10000,
+          arrowColor: '#fff',
+          backgroundColor: '#fff',
+          textColor: '#333',
+          overlayColor: 'rgba(0, 0, 0, 0.5)',
+        },
+        tooltip: {
+          borderRadius: 8,
+          fontSize: 14,
+          padding: 20,
+        },
+        tooltipTitle: {
+          fontSize: 16,
+          fontWeight: 600,
+        },
+        buttonNext: {
+          borderRadius: 6,
+          fontSize: 14,
+          padding: '8px 16px',
+        },
+        buttonBack: {
+          borderRadius: 6,
+          fontSize: 14,
+          marginRight: 8,
+        },
+        buttonSkip: {
+          fontSize: 13,
+        },
+      }}
+      locale={{
+        back: 'Previous',
+        close: 'Close',
+        last: 'Finish Tour',
+        next: 'Next',
+        skip: 'Skip Tour',
+      }}
+    />
+  );
+}