checkpoint: goals feature, wallet balance, and goals/wallet detail UI

- Add goals feature (models, migrations, API, web pages)
- Add reserved/centralized wallet balance service
- Add wallet detail page and overview components
- Add new UI components (progress, multi-select, FAB)
- Remove stray empty -H/-d files from working tree

apps/api/dist/users/users.service.d.ts

@@ -9,20 +9,20 @@ export declare class UsersService {
         createdAt: Date;
         updatedAt: Date;
         status: string;
-        emailVerified: boolean;
-        passwordHash: string | null;
         name: string | null;
         avatarUrl: string | null;
         defaultCurrency: string | null;
         timeZone: string | null;
+        emailVerified: boolean;
         otpEmailEnabled: boolean;
-        otpWhatsappEnabled: boolean;
         otpTotpEnabled: boolean;
         otpTotpSecret: string | null;
+        passwordHash: string | null;
+        otpWhatsappEnabled: boolean;
+        lastLoginAt: Date | null;
         role: string;
         suspendedAt: Date | null;
         suspendedReason: string | null;
-        lastLoginAt: Date | null;
     } | null>;
     updateProfile(userId: string, data: {
         name?: string;