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

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

docs/specs/deployment/disaster-recovery.md

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+# Disaster Recovery Specification
+
+## Overview
+
+Disaster recovery procedures and backup strategies.
+
+## Backup Strategies
+
+### Database Backups
+
+**Full Backups**: Daily full database dumps
+**Incremental Backups**: Continuous WAL archiving (PostgreSQL)
+**Storage**: Off-site backup storage
+**Retention**: 30 days full, 7 days incremental
+
+### Application Backups
+
+**Configuration**: Backup configuration files
+**Secrets**: Secure backup of secrets
+**Code**: Version control (Git)
+
+## Recovery Procedures
+
+### Recovery Scenarios
+
+**1. Database Corruption**:
+- Restore from latest backup
+- Replay WAL logs
+- Verify data integrity
+
+**2. Service Failure**:
+- Restart services
+- Verify health
+- Check logs
+
+**3. Data Center Failure**:
+- Failover to secondary region
+- Restore from backups
+- Verify functionality
+
+### Recovery Testing
+
+**Frequency**: Quarterly
+**Tests**: Restore from backups, verify data integrity
+
+## RTO/RPO Targets
+
+**RTO (Recovery Time Objective)**: 1 hour
+**RPO (Recovery Point Objective)**: 5 minutes (max data loss)
+
+## Multi-Region Failover
+
+### Failover Strategy
+
+**Primary Region**: Active services
+**Secondary Region**: Standby/replica services
+**Failover**: Automatic or manual failover
+
+### Data Replication
+
+**Method**: Database replication, data synchronization
+**Latency**: Acceptable replication lag
+**Consistency**: Eventual consistency acceptable
+
+## References
+
+- Infrastructure: See `infrastructure.md`
+- Scaling: See `scaling.md`
+