Milestones 0 and 1: foundation and money in (20261007.10)

Foundation: single arm64 container (Hono + SQLite via Drizzle, React + Vite),
local sign-in with long-lived sessions and passkeys, roles (read-only, full
access, admin), nightly and pre-upgrade backups, light and dark themes,
date-based version numbers, and the ideas lightbulb behind IDEAS_ENABLED.

Money in: accounts with balances, CSV import with bank detection, a column
mapping pop-up for unknown layouts, duplicate checks, transfer pairing and
undo; one-tap review with learned rules; activity with search, splits, tags,
notes and cash entries. Statement files are blocked from commits by a
pre-commit hook; tests use synthetic fixtures only.

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

.npmrc

@@ -0,0 +1,5 @@
+# Every native dependency here (better-sqlite3, argon2, esbuild, sharp) ships
+# ready-made binaries, so install scripts are never needed. Turning them off
+# keeps installs reproducible (no compiler required, even as root in Docker)
+# and stops packages from running their own code, such as telemetry.
+ignore-scripts=true