Initial project scaffold and agent docs.

Co-authored-by: Cursor <cursoragent@cursor.com>

.cursor/chat-context-template.md

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+# Copy into a new Cursor chat (fill brackets, delete this line)
+
+## Session
+- Type: [learning | implementation | debug]
+- Phase: [e.g. Phase 4 — Context discipline]
+- Project: financeOne (`/home/duarte/development/financeOne`)
+
+## Stack
+- Next.js, React, TypeScript, Tailwind (planned — see README)
+- Verify: `npm run lint && npm test` (when scaffold exists)
+
+## How I want replies
+- Concise and direct; no fluff or long summaries unless I ask.
+- Ask me anything unclear (scope, constraints, tradeoffs) before big changes.
+
+## My profile
+- Senior dev/architect; learning Cursor.
+- Minimal diffs; match existing patterns; short tradeoff notes when choices matter.
+- Do not commit/push unless I ask; no secrets in chat.
+
+## Goal (this chat)
+[One sentence — what “done” looks like]
+
+## Already decided
+- Repo prepared: README, AGENTS.md, `.cursor/rules/`, `.gitignore`, `.env.example`
+
+## Attachments
+@README.md @AGENTS.md @.cursor/rules/
+
+---
+[Phase title and your questions below]

.cursor/rules/project-core.mdc

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+---
+description: Core FinanceOne project standards for all work
+alwaysApply: true
+---
+
+# FinanceOne — core
+
+## Responses
+
+- Concise, direct, plain language. No filler or fancy phrasing.
+- Ask 1–3 specific questions when scope, constraints, or approach is unclear — do not guess on large changes.
+
+## Code
+
+- Minimal, focused diffs; match existing style and layout.
+- Read `AGENTS.md` and `README.md` before multi-file edits.
+- No commit, push, or git config changes unless the user explicitly asks.
+- No secrets in repo; `.env.local` locally; names in `.env.example` only.
+- Money: integer minor units or a decimal library — not JS `number` for currency math.
+- Prefer `@` references over whole-repo search when the task names files or areas.

.cursor/rules/typescript.mdc

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+---
+description: TypeScript conventions for FinanceOne
+globs: **/*.{ts,tsx}
+alwaysApply: false
+---
+
+# TypeScript
+
+- Prefer explicit return types on exported functions and API handlers.
+- Avoid `any`; use `unknown` and narrow, or small domain types.
+- Use `import type` for type-only imports.
+- Colocate types with features; shared types in a dedicated `types` module when reused.
+- Handle errors explicitly; do not swallow failures without logging or user-visible feedback.

.cursor/rules/web-ui.mdc

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+---
+description: React and Next.js UI patterns for FinanceOne
+globs: **/*.{tsx,css}
+alwaysApply: false
+---
+
+# Web UI
+
+- Next.js App Router: default to Server Components; add `"use client"` only for interactivity.
+- Accessible markup: labels on inputs, semantic headings, keyboard-friendly controls.
+- Tailwind: reuse spacing and color patterns from nearby components; avoid one-off magic values when a token exists.
+- Forms: validate on client for UX and on server for security; show clear error messages.
+- Loading and empty states for lists (accounts, transactions).