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>

docs/Operations/Migration Notes.md

@@ -0,0 +1,74 @@
+---
+title: Migration Notes
+tags: [mortgagefi, ops, migration]
+type: operations
+status: reference
+updated: 2026-06-14
+---
+
+# Migration Notes
+
+Library Update Migration Notes
+
+## Security Updates Applied
+
+### Critical Fix
+- **Next.js 15.5.0 → 16.0.10**: Fixed critical RCE vulnerability (CVE-2024-XXXX)
+
+## Major Version Updates
+
+### wagmi v2 → v3
+
+> [!warning] Potential Breaking Changes
+> - Check if `useConnect` hook API has changed
+> - Verify `useAccount` return values are still compatible
+> - Review connector configuration in `config/web3.ts`
+> - Test wallet connection flows
+
+### @types/node v20 → v25
+
+> [!note] Potential Issues
+> - TypeScript compilation may show new type errors
+> - Node.js API type definitions may have changed
+
+### Next.js v15 → v16
+
+> [!note] Changes to Monitor
+> - App Router behavior changes
+> - Build process modifications
+> - Runtime behavior differences
+
+## Testing Checklist
+
+After running `npm install`:
+
+1. **Build Test**: `npm run build`
+2. **Type Check**: `npx tsc --noEmit`
+3. **Lint Check**: `npm run lint`
+4. **Wallet Connection**: Test all wallet providers
+5. **Contract Interactions**: Verify all smart contract calls work
+6. **Chain Switching**: Test network switching functionality
+
+## Rollback Plan
+
+> [!warning] Rollback Plan
+> If issues occur, revert to previous versions:
+> ```json
+> {
+>   "next": "15.5.9",
+>   "wagmi": "^2.19.5",
+>   "@types/node": "^20.19.27"
+> }
+> ```
+
+## Manual Steps Required
+
+1. Run `npm install` to update dependencies
+2. Test the application thoroughly
+3. Check for any TypeScript errors
+4. Verify wallet connectivity still works
+5. Test contract interactions on all supported chains
+
+## Related
+
+[[Home]], [[Deployment]], [[Development]]