v0.13: Tier-1 multi-city expansion — Chicago + NYC + SF + LA + Austin

v0.8: Gemma 4 bounding-box detection on Street View

smoke test: verify Gemma 4 vision on OpenRouter free tier (BYOK)

rename FloodIQ → FlutIQ across the codebase

backend: full 7-agent pipeline working end-to-end

backend: vertical slice — geocoder + FEMA agent + SSE end-to-end