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/web/src/components/Dashboard.tsx

@@ -4,8 +4,10 @@ import { useAuth } from "@/contexts/AuthContext"
 import { DashboardLayout } from "./layout/DashboardLayout"
 import { Overview } from "./pages/Overview"
 import { Wallets } from "./pages/Wallets"
+import { WalletDetail } from "./pages/WalletDetail"
 import { Transactions } from "./pages/Transactions"
 import { Profile } from "./pages/Profile"
+import { Goals } from "./pages/Goals"
 
 export function Dashboard() {
   const { user } = useAuth()
@@ -41,7 +43,9 @@ export function Dashboard() {
       <Routes>
         <Route path="/" element={<Overview />} />
         <Route path="/wallets" element={<Wallets />} />
+        <Route path="/wallets/:id" element={<WalletDetail />} />
         <Route path="/transactions" element={<Transactions />} />
+        <Route path="/goals/*" element={<Goals />} />
         <Route path="/profile" element={<Profile />} />
       </Routes>
     </DashboardLayout>