Initial project scaffold and agent docs.

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

README.md

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+# FinanceOne
+
+Personal finance web application — budgets, accounts, transactions, and reporting.
+
+## Stack (planned)
+
+| Layer | Choice |
+|-------|--------|
+| Runtime | Node.js 20+ |
+| Framework | Next.js (App Router) |
+| Language | TypeScript |
+| Styling | Tailwind CSS |
+| Package manager | npm |
+
+Adjust this table when the scaffold is generated or the stack changes.
+
+## Prerequisites
+
+- Node.js 20 or later
+- npm 10+
+
+## Getting started
+
+The application scaffold is not generated yet. After `package.json` exists:
+
+```bash
+npm install
+cp .env.example .env.local   # fill values locally; never commit secrets
+npm run dev
+```
+
+Open [http://localhost:3000](http://localhost:3000).
+
+## Scripts
+
+| Command | Purpose |
+|---------|---------|
+| `npm run dev` | Local development server |
+| `npm run build` | Production build |
+| `npm run start` | Run production build |
+| `npm run lint` | ESLint |
+| `npm test` | Unit / integration tests |
+
+Scripts appear in `package.json` once the app is scaffolded.
+
+## Environment variables
+
+See [.env.example](.env.example). Copy to `.env.local` for local development.
+
+## Project layout (target)
+
+```
+financeOne/
+├── src/                 # application source (after scaffold)
+├── public/
+├── .cursor/rules/       # Cursor agent guardrails
+├── AGENTS.md            # agent workflow and conventions
+└── README.md
+```
+
+## Cursor / agents
+
+- Read [AGENTS.md](AGENTS.md) first: concise replies, ask when unclear, then conventions and verify steps.
+- Rules: `.cursor/rules/`. Chat starter: `.cursor/chat-context-template.md`.
+- Verify: `npm run lint` and `npm test` when available.
+
+## License
+
+Private / unlicensed unless stated otherwise.