Phase 5: AI investment planning - CD rate fetcher and AI recommendation engine

- Add shared.cd_rates table for cross-tenant market data (CD rates from Bankrate)
- Create standalone Puppeteer scraper script (scripts/fetch-cd-rates.ts) for cron-based rate fetching
- Add investment-planning backend module with 3 endpoints: snapshot, cd-rates, recommendations
- AI service gathers tenant financial data (accounts, investments, budgets, projects, cash flow) and calls OpenAI-compatible API (NVIDIA endpoint) for structured investment recommendations
- Create InvestmentPlanningPage with summary cards, current investments table, market CD rates table, and AI recommendation accordion
- Add Investment Planning to sidebar under Planning menu
- Configure AI_API_URL, AI_API_KEY, AI_MODEL environment variables

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

docker-compose.yml

@@ -22,6 +22,9 @@ services:
       - REDIS_URL=${REDIS_URL}
       - JWT_SECRET=${JWT_SECRET}
       - NODE_ENV=${NODE_ENV}
+      - AI_API_URL=${AI_API_URL}
+      - AI_API_KEY=${AI_API_KEY}
+      - AI_MODEL=${AI_MODEL}
     volumes:
       - ./backend/src:/app/src
       - ./backend/nest-cli.json:/app/nest-cli.json