Docs, submodule SWIFT_DOT-FIN, data pipelines, and module updates

Co-authored-by: Cursor <cursoragent@cursor.com>

docs/WHITE_PAPER.md

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+# FQBM White Paper — Placeholder
+
+This file is a **placeholder** for the canonical Four-Quadrant Balance Sheet Matrix (FQBM) white paper. The full theoretical foundation (Parts I–XVI) is referenced in [framework_summary.md](framework_summary.md) and in the codebase docstrings.
+
+---
+
+## Intended content (when published here)
+
+- **Part I**: Accounting foundation (A = L + E), four-quadrant matrix, open-economy identity.
+- **Part II**: Closed-economy monetary dynamics (central bank, commercial bank).
+- **Part III–IV**: Open-economy extension, BoP, parity conditions, capital flows, FX dynamics.
+- **Part V–VI**: Sovereign risk and CDS; commodity shock channel.
+- **Part VII–IX**: Shadow banking and leverage; derivatives clearing and CCP; CBDC and digital reserve architecture.
+- **Part X**: Empirical regression appendix.
+- **Part XI**: Historical case expansion (1997, 2008, 2020, 2022–23).
+- **Part XII–XIV**: Quantitative stress tables; Monte Carlo framework; full system differential model.
+- **Part XV–XVI**: Policy implications; simulation workbook architecture (eight sheets).
+
+---
+
+## Versioning
+
+When the white paper is added to this repository (as Markdown or PDF), it will be versioned with the code and linked from the README and framework_summary. Until then, the framework is implemented and documented in the codebase and in [framework_summary.md](framework_summary.md). For other suggestions (e.g. full CCP balance sheet, FX disclosure), see [RECOMMENDATIONS.md](RECOMMENDATIONS.md).