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>

scripts/package.json

@@ -0,0 +1,19 @@
+{
+  "name": "hoa-ledgeriq-scripts",
+  "version": "1.0.0",
+  "private": true,
+  "description": "Standalone scripts for HOA LedgerIQ platform (cron jobs, data fetching)",
+  "scripts": {
+    "fetch-cd-rates": "tsx fetch-cd-rates.ts"
+  },
+  "dependencies": {
+    "dotenv": "^16.4.7",
+    "pg": "^8.13.1",
+    "puppeteer": "^23.0.0"
+  },
+  "devDependencies": {
+    "@types/pg": "^8.11.0",
+    "tsx": "^4.19.0",
+    "typescript": "^5.7.3"
+  }
+}