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

tests/MarketRegime.test.js

@@ -0,0 +1,45 @@
+import { test } from 'node:test';
+import assert from 'node:assert/strict';
+import { MarketRegime } from '../src/market/MarketRegime.js';
+import { SECTOR, ASSET_TYPE } from '../src/config/constants.js';
+
+const regime = (benchmarks) => new MarketRegime({ benchmarks });
+
+test('stock inflated P/E = marketPE × 1.5', () => {
+  const { gates } = regime({ marketPE: 24 }).getInflatedOverrides(ASSET_TYPE.STOCK, SECTOR.GENERAL);
+  assert.equal(gates.maxPERatio, Math.round(24 * 1.5)); // 36
+});
+
+test('tech inflated P/E = techPE × 1.3', () => {
+  const { gates } = regime({ techPE: 40 }).getInflatedOverrides(
+    ASSET_TYPE.STOCK,
+    SECTOR.TECHNOLOGY,
+  );
+  assert.equal(gates.maxPERatio, Math.round(40 * 1.3)); // 52
+});
+
+test('REIT inflated minYield = reitYield × 0.85', () => {
+  const { thresholds } = regime({ reitYield: 4.0 }).getInflatedOverrides(
+    ASSET_TYPE.STOCK,
+    SECTOR.REIT,
+  );
+  assert.equal(thresholds.minYield, +(4.0 * 0.85).toFixed(2)); // 3.40
+});
+
+test('bond inflated minSpread = igSpread × 0.80', () => {
+  const { thresholds } = regime({ igSpread: 1.5 }).getInflatedOverrides(
+    ASSET_TYPE.BOND,
+    SECTOR.GENERAL,
+  );
+  assert.equal(thresholds.minSpread, +(1.5 * 0.8).toFixed(2)); // 1.20
+});
+
+test('ETF inflated loosens expense gate to 0.75', () => {
+  const { gates } = regime({}).getInflatedOverrides(ASSET_TYPE.ETF);
+  assert.equal(gates.maxExpenseRatio, 0.75);
+});
+
+test('falls back to defaults when benchmarks missing', () => {
+  const { gates } = new MarketRegime({}).getInflatedOverrides(ASSET_TYPE.STOCK, SECTOR.GENERAL);
+  assert.equal(gates.maxPERatio, Math.round(22 * 1.5)); // default marketPE = 22
+});