refactor: restructure to clean architecture

fix: restore ScoringConfig improvements lost in refactor commit

docs: rewrite README and CLAUDE.md to reflect current architecture

code-format

code fixes

.env.example

@@ -0,0 +1,11 @@
+# ── SimpleFIN personal finance ───────────────────────────────────────────────
+#
+# FIRST RUN: paste your Setup Token from https://beta-bridge.simplefin.org
+# (Settings → Connect an app → copy the token)
+#
+SIMPLEFIN_SETUP_TOKEN=aHR0cHM6Ly9iZXRhLWJyaWRnZS5zaW1wbGVmaW4ub3Jn...
+#
+# AFTER FIRST RUN: the Access URL is written here automatically.
+# Remove SIMPLEFIN_SETUP_TOKEN once this appears.
+#
+# SIMPLEFIN_ACCESS_URL=https://user:token@beta-bridge.simplefin.org/simplefin