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/config/tourSteps.ts

@@ -0,0 +1,68 @@
+/**
+ * How-To Intro Tour Steps
+ *
+ * Centralized configuration for the react-joyride walkthrough.
+ * Edit the title and content fields below to change tour text.
+ * Steps are ordered to mirror the natural workflow of the platform.
+ */
+import type { Step } from 'react-joyride';
+
+export const TOUR_STEPS: Step[] = [
+  {
+    target: '[data-tour="dashboard-content"]',
+    title: 'Your Financial Dashboard',
+    content:
+      'Welcome to LedgerIQ! This dashboard gives you an at-a-glance view of your HOA\'s financial health — operating funds, reserve funds, receivables, delinquencies, and recent transactions. It updates automatically as you record activity.',
+    placement: 'center',
+    disableBeacon: true,
+  },
+  {
+    target: '[data-tour="sidebar-nav"]',
+    title: 'Navigation',
+    content:
+      'The sidebar organizes all your tools into five sections: Financials, Assessments, Transactions, Planning, and Reports. Click any item to navigate directly to that module.',
+    placement: 'right',
+  },
+  {
+    target: '[data-tour="nav-accounts"]',
+    title: 'Chart of Accounts',
+    content:
+      'Manage your Chart of Accounts here. Set up operating and reserve fund bank accounts, track balances, record opening balances, and manage your investment accounts — all separated by fund type.',
+    placement: 'right',
+  },
+  {
+    target: '[data-tour="nav-assessment-groups"]',
+    title: 'Assessments & Homeowners',
+    content:
+      'Create assessment groups to define your monthly, quarterly, or annual HOA dues. Add homeowner units, assign them to groups, and generate invoices automatically based on your assessment schedule.',
+    placement: 'right',
+  },
+  {
+    target: '[data-tour="nav-transactions"]',
+    title: 'Transactions & Journal Entries',
+    content:
+      'Record all financial activity here through double-entry journal entries. The system also automatically creates entries when you record payments, generate invoices, or set opening balances.',
+    placement: 'right',
+  },
+  {
+    target: '[data-tour="nav-budgets"]',
+    title: 'Budget Management',
+    content:
+      'Create and manage annual budgets for every income and expense account. You can enter amounts manually by month or import your budget from a CSV file for quick setup.',
+    placement: 'right',
+  },
+  {
+    target: '[data-tour="nav-reports"]',
+    title: 'Financial Reports',
+    content:
+      'Generate comprehensive reports including Balance Sheet, Income Statement, Cash Flow Statement, Budget vs Actual, Aging Report, and more. All reports are generated in real-time from your journal data.',
+    placement: 'right',
+  },
+  {
+    target: '[data-tour="nav-investment-planning"]',
+    title: 'AI Investment Planning',
+    content:
+      'Use AI-powered recommendations to optimize your reserve fund investments. The system analyzes current market rates for CDs, money market accounts, and high-yield savings to suggest the best allocation strategy.',
+    placement: 'right',
+  },
+];