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>

frontend/src/App.tsx

@@ -29,6 +29,7 @@ import { AdminPage } from './pages/admin/AdminPage';
 import { AssessmentGroupsPage } from './pages/assessment-groups/AssessmentGroupsPage';
 import { CashFlowForecastPage } from './pages/cash-flow/CashFlowForecastPage';
 import { MonthlyActualsPage } from './pages/monthly-actuals/MonthlyActualsPage';
+import { InvestmentPlanningPage } from './pages/investment-planning/InvestmentPlanningPage';
 
 function ProtectedRoute({ children }: { children: React.ReactNode }) {
   const token = useAuthStore((s) => s.token);
@@ -117,6 +118,7 @@ export function App() {
         <Route path="projects" element={<ProjectsPage />} />
         <Route path="investments" element={<InvestmentsPage />} />
         <Route path="capital-projects" element={<CapitalProjectsPage />} />
+        <Route path="investment-planning" element={<InvestmentPlanningPage />} />
         <Route path="assessment-groups" element={<AssessmentGroupsPage />} />
         <Route path="cash-flow" element={<CashFlowForecastPage />} />
         <Route path="monthly-actuals" element={<MonthlyActualsPage />} />