Fix AI insight leaking thinking content + make insights on-demand instead of auto-generated

Fix CSS: serve self-contained HTML via ASGI wrapper to bypass Gradio

UX overhaul + Gradio migration + remove llama.cpp

fix: show CLOUD GPU status instead of offline, strip orphan </think> tags, increase Modal timeout to 180s

fix: load LLM in background thread so Space stays healthy during 2.84 GB cold start

fix: correct LLM model path default, fix chat 'error: format only' leak, surface load errors

feat: browser-local engine, Zerodha dashboard, historical events, chatbot, per-user isolation

fix: resolve asset name mismatch, add E2E tests, 10-year game loop

fix: serve static files, switch to FastAPI, add CRT terminal styling

Phase 2/3: Gradio Server backend, CRT frontend, engine, agents, mentor, tests, CI/CD