feat(ui): Ghibli/Miyazaki reskin + Obsidian docs vault + project audit

UI: warm daylight design system (Tailwind v4 @theme palette, gh-* component
classes, watercolor grain, Zen Maru Gothic + Klee One fonts), animated SSR-safe
GhibliBackground (drifting clouds, meadow hills, soot sprites), and a full reskin
of navbar, connect button, dapp page, loan cards, settings modal, and readme.
Fixes the bg-white-on-dark loan-card inconsistency. Web3/business logic untouched.

Docs: converted docs/ into an Obsidian vault (frontmatter, [[wikilinks]],
callouts, Home MOC, folders Architecture/Operations/Audits) and added a
full-project audit note (Project Audit 2026-06). Redacted a real leaked Schedy
key value from the security audit example (rotate it at Schedy).

Also commits the previously-untracked server layer: app/api (cron + tasks routes)
and lib (redis, ssrf-guard, task-store).

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

app/readme/page.tsx

@@ -12,9 +12,9 @@ export default async function ReadmePage() {
     content = 'README not found.';
   }
   return (
-    <div className="max-w-3xl mx-auto p-6">
-      <h1 className="text-2xl font-semibold mb-4">README</h1>
-      <pre className="whitespace-pre-wrap text-sm leading-6 bg-white rounded border p-4">
+    <div className="max-w-3xl mx-auto px-4 sm:px-6 py-8">
+      <h1 className="font-display text-3xl font-semibold text-forest-deep mb-4">📖 README</h1>
+      <pre className="gh-card whitespace-pre-wrap text-sm leading-6 text-ink p-5">
         {content}
       </pre>
     </div>