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

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

docs/specs/observability/tracing.md

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+# Distributed Tracing Specification
+
+## Overview
+
+Distributed tracing for request tracking across services.
+
+## Distributed Tracing Strategy
+
+**Solution**: OpenTelemetry or Jaeger
+
+**Implementation**:
+- Instrument services with tracing
+- Propagate trace context
+- Collect and store traces
+- Visualize in UI
+
+## Trace Sampling
+
+### Sampling Strategy
+
+**Head-Based Sampling**:
+- Sample rate: 1% of requests
+- Always sample errors
+- Always sample slow requests (> 1s)
+
+**Tail-Based Sampling** (optional):
+- Sample based on trace characteristics
+- More efficient storage
+
+## Trace Correlation Across Services
+
+### Trace Context Propagation
+
+**Headers**: 
+- `traceparent` (W3C Trace Context)
+- `tracestate` (W3C Trace Context)
+
+**Propagation**: HTTP headers, message queue metadata
+
+### Trace Structure
+
+```
+Trace (request)
+  ├── Span (API Gateway)
+  │   ├── Span (Explorer API)
+  │   │   ├── Span (Database Query)
+  │   │   └── Span (Cache Lookup)
+  │   └── Span (Search Service)
+  └── Span (Response)
+```
+
+## Performance Analysis Workflows
+
+### Analysis Steps
+
+1. Identify slow requests
+2. Trace request path
+3. Identify bottlenecks
+4. Optimize slow components
+5. Verify improvements
+
+## References
+
+- Logging: See `logging.md`
+- Metrics: See `metrics-monitoring.md`
+