Add full monorepo: virtual-banker, backend, frontend, docs, scripts, deployment

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

backend/database/migrations/0006_vtm_tables.up.sql

@@ -0,0 +1,17 @@
+-- VTM conversation states table
+
+CREATE TABLE IF NOT EXISTS conversation_states (
+    session_id VARCHAR(255) PRIMARY KEY,
+    user_id UUID,
+    workflow VARCHAR(50),
+    step VARCHAR(50),
+    context JSONB,
+    created_at TIMESTAMP DEFAULT NOW(),
+    updated_at TIMESTAMP DEFAULT NOW(),
+    expires_at TIMESTAMP
+);
+
+CREATE INDEX idx_conversation_user ON conversation_states(user_id);
+CREATE INDEX idx_conversation_workflow ON conversation_states(workflow);
+CREATE INDEX idx_conversation_expires ON conversation_states(expires_at);
+