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/components/layout/Sidebar.tsx

@@ -16,6 +16,7 @@ import {
   IconCategory,
   IconChartAreaLine,
   IconClipboardCheck,
+  IconSparkles,
 } from '@tabler/icons-react';
 import { useAuthStore } from '../../stores/authStore';
 
@@ -54,6 +55,7 @@ const navSections = [
     items: [
       { label: 'Projects', icon: IconShieldCheck, path: '/projects' },
       { label: 'Capital Planning', icon: IconBuildingBank, path: '/capital-projects' },
+      { label: 'Investment Planning', icon: IconSparkles, path: '/investment-planning' },
       { label: 'Vendors', icon: IconUsers, path: '/vendors' },
     ],
   },