feat: Implement Phase 3 & 4 - AI Reports & ERP Integrations

## Phase 3: DeepSeek AI Integration

### AI Services (apps/api/src/services/ai/)
- DeepSeek API client with streaming, rate limiting, retries
- AI service for financial analysis, executive summaries, recommendations
- Optimized prompts for Mexican CFO digital assistant
- Redis caching for AI responses

### Report Generation (apps/api/src/services/reports/)
- ReportGenerator: monthly, quarterly, annual, custom reports
- PDF generator with corporate branding (PDFKit)
- Report templates for PYME, Startup, Enterprise
- Spanish prompts for financial narratives
- MinIO storage for generated PDFs

### AI & Reports API Routes
- POST /api/ai/analyze - Financial metrics analysis
- POST /api/ai/chat - CFO digital chat with streaming
- POST /api/reports/generate - Async report generation
- GET /api/reports/:id/download - PDF download
- BullMQ jobs for background processing

### Frontend Pages
- /reportes - Report listing with filters
- /reportes/nuevo - 3-step wizard for report generation
- /reportes/[id] - Full report viewer with charts
- /asistente - CFO Digital chat interface
- Components: ChatInterface, ReportCard, AIInsightCard

## Phase 4: ERP Integrations

### CONTPAQi Connector (SQL Server)
- Contabilidad: catalog, polizas, balanza, estado de resultados
- Comercial: clientes, proveedores, facturas, inventario
- Nominas: empleados, nominas, percepciones/deducciones

### Aspel Connector (Firebird/SQL Server)
- COI: accounting, polizas, balanza, auxiliares
- SAE: sales, purchases, inventory, A/R, A/P
- NOI: payroll, employees, receipts
- BANCO: bank accounts, movements, reconciliation
- Latin1 to UTF-8 encoding handling

### Odoo Connector (XML-RPC)
- Accounting: chart of accounts, journal entries, reports
- Invoicing: customer/vendor invoices, payments
- Partners: customers, vendors, statements
- Inventory: products, stock levels, valuations
- Multi-company and version 14-17 support

### Alegra Connector (REST API)
- Invoices, credit/debit notes with CFDI support
- Contacts with Mexican fiscal fields (RFC, regimen)
- Payments and bank reconciliation
- Financial reports: trial balance, P&L, balance sheet
- Webhook support for real-time sync

### SAP Business One Connector (OData/Service Layer)
- Session management with auto-refresh
- Financials: chart of accounts, journal entries, reports
- Sales: invoices, credit notes, delivery notes, orders
- Purchasing: bills, POs, goods receipts
- Inventory: items, stock, transfers, valuation
- Banking: accounts, payments, cash flow

### Integration Manager
- Unified interface for all connectors
- BullMQ scheduler for automated sync
- Webhook handling for real-time updates
- Migration 003_integrations.sql with sync tables
- Frontend page /integraciones for configuration

Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>

apps/api/package.json

@@ -29,6 +29,8 @@
     "ioredis": "^5.3.2",
     "jsonwebtoken": "^9.0.2",
     "minio": "^7.1.3",
+    "mssql": "^10.0.2",
+    "pdfkit": "^0.15.0",
     "pg": "^8.11.3",
     "uuid": "^9.0.1",
     "winston": "^3.11.0",
@@ -40,7 +42,9 @@
     "@types/cors": "^2.8.17",
     "@types/express": "^4.17.21",
     "@types/jsonwebtoken": "^9.0.5",
+    "@types/mssql": "^9.1.5",
     "@types/node": "^20.11.0",
+    "@types/pdfkit": "^0.13.4",
     "@types/pg": "^8.10.9",
     "@types/uuid": "^9.0.7",
     "eslint": "^8.56.0",