feat: L'Ami Fiduciaire V1.0.0 — full codebase with Story 0.1 complete

Initial commit of the L'Ami Fiduciaire SaaS platform built on Laravel 12,
Vue 3, Inertia.js 2, and Tailwind CSS 4.

Story 0.1 (rename folders to declarations in database) is implemented and
code-reviewed: migration, rollback, and 6 Pest tests all passing.

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

_bmad/bmb/workflows/agent/data/critical-actions.md

@@ -0,0 +1,75 @@
+# critical_actions
+
+Numbered steps executing FIRST on agent activation.
+
+---
+
+## Quick Reference
+
+| hasSidecar | critical_actions |
+|------------|------------------|
+| `true` | **MANDATORY** - load memories, instructions, restrict file access |
+| `false` | OPTIONAL - only if activation behavior needed |
+
+---
+
+## Patterns
+
+### hasSidecar: true (MANDATORY)
+
+```yaml
+critical_actions:
+  - 'Load COMPLETE file {project-root}/_bmad/_memory/{sidecar-folder}/memories.md'
+  - 'Load COMPLETE file {project-root}/_bmad/_memory/{sidecar-folder}/instructions.md'
+  - 'ONLY read/write files in {project-root}/_bmad/_memory/{sidecar-folder}/'
+```
+
+### hasSidecar: false (OPTIONAL)
+
+```yaml
+critical_actions:
+  - 'Show inspirational quote before menu'
+  - 'Fetch latest stock prices before displaying menu'
+  - 'Review {project-root}/finances/ for most recent data'
+```
+
+### hasSidecar: true + extras
+
+```yaml
+critical_actions:
+  - 'Load COMPLETE file {project-root}/_bmad/_memory/{sidecar-folder}/memories.md'
+  - 'Load COMPLETE file {project-root}/_bmad/_memory/{sidecar-folder}/instructions.md'
+  - 'ONLY read/write files in {project-root}/_bmad/_memory/{sidecar-folder}/'
+  - 'Search web for biotech headlines, display before menu'
+```
+
+---
+
+## Path Patterns
+
+| Use | Pattern |
+|-----|---------|
+| Sidecar memory | `{project-root}/_bmad/_memory/{sidecar-folder}/file.md` |
+| Project data | `{project-root}/path/to/file.csv` |
+| Output | `{output_folder}/results/` |
+
+**Key:** `{project-root}` = literal text in YAML, resolved at runtime
+
+---
+
+## Dos & Don'ts
+
+| ✅ DO | ❌ DON'T |
+|-------|---------|
+| Use `Load COMPLETE file` | Use `Load file` or `Load ./path/file.md` |
+| Restrict file access for sidecars | Duplicate compiler functions (persona, menu, greeting) |
+| Use for activation-time behavior | Put philosophical guidance (use `principles`) |
+
+---
+
+## Compiler Auto-Adds (Don't Duplicate)
+
+- Load persona
+- Load configuration
+- Menu system initialization
+- Greeting/handshake