feat: Implement Phase 1 & 2 - Full monorepo architecture

## Backend API (apps/api)
- Express.js server with TypeScript
- JWT authentication with access/refresh tokens
- Multi-tenant middleware (schema per tenant)
- Complete CRUD routes: auth, cfdis, transactions, contacts, categories, metrics, alerts
- SAT integration: CFDI 4.0 XML parser, FIEL authentication
- Metrics engine: 50+ financial metrics (Core, Startup, Enterprise)
- Rate limiting, CORS, Helmet security

## Frontend Web (apps/web)
- Next.js 14 with App Router
- Authentication pages: login, register, forgot-password
- Dashboard layout with Sidebar and Header
- Dashboard pages: overview, cash-flow, revenue, expenses, metrics
- Zustand stores for auth and UI state
- Theme support with flash prevention

## Database Package (packages/database)
- PostgreSQL migrations with multi-tenant architecture
- Public schema: plans, tenants, users, sessions, subscriptions
- Tenant schema: sat_credentials, cfdis, transactions, contacts, accounts, alerts
- Tenant management functions
- Seed data for plans and super admin

## Shared Package (packages/shared)
- TypeScript types: auth, tenant, financial, metrics, reports
- Zod validation schemas for all entities
- Utility functions for formatting

## UI Package (packages/ui)
- Chart components: LineChart, BarChart, AreaChart, PieChart
- Data components: DataTable, MetricCard, KPICard, AlertBadge
- PeriodSelector and Skeleton components

## Infrastructure
- Docker Compose: PostgreSQL 15, Redis 7, MinIO, Mailhog
- Makefile with 25+ development commands
- Development scripts: dev-setup.sh, dev-down.sh
- Complete .env.example template

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

apps/api/.env.example

@@ -0,0 +1,58 @@
+# ============================================================================
+# Horux Strategy API - Environment Variables
+# ============================================================================
+# Copy this file to .env and fill in the values
+
+# Server Configuration
+NODE_ENV=development
+PORT=4000
+HOST=0.0.0.0
+API_VERSION=v1
+
+# Database (PostgreSQL)
+DATABASE_URL=postgresql://postgres:postgres@localhost:5432/horux_strategy
+DATABASE_POOL_MIN=2
+DATABASE_POOL_MAX=10
+
+# Redis
+REDIS_URL=redis://localhost:6379
+
+# JWT Secrets (minimum 32 characters each)
+# IMPORTANT: Generate secure random strings for production!
+JWT_ACCESS_SECRET=your-access-secret-at-least-32-characters
+JWT_REFRESH_SECRET=your-refresh-secret-at-least-32-characters
+JWT_ACCESS_EXPIRES_IN=15m
+JWT_REFRESH_EXPIRES_IN=7d
+
+# Password Reset
+PASSWORD_RESET_SECRET=your-reset-secret-at-least-32-characters!
+PASSWORD_RESET_EXPIRES_IN=1h
+
+# Security
+BCRYPT_ROUNDS=12
+CORS_ORIGINS=http://localhost:3000,http://localhost:5173
+RATE_LIMIT_WINDOW_MS=60000
+RATE_LIMIT_MAX_REQUESTS=100
+
+# MinIO / S3 Object Storage
+MINIO_ENDPOINT=localhost
+MINIO_PORT=9000
+MINIO_ACCESS_KEY=minioadmin
+MINIO_SECRET_KEY=minioadmin
+MINIO_BUCKET=horux-strategy
+MINIO_USE_SSL=false
+
+# Email (SMTP)
+SMTP_HOST=
+SMTP_PORT=587
+SMTP_USER=
+SMTP_PASS=
+EMAIL_FROM=noreply@horuxstrategy.com
+
+# Logging
+LOG_LEVEL=info
+LOG_FORMAT=simple
+
+# Feature Flags
+ENABLE_SWAGGER=true
+ENABLE_METRICS=true