Add housing/pets/Thom Krooke, wordle overhaul, boost system, backup strategy

Part 3 (Housing, Thom Krooke & Pets):
- Housing system with tiered upgrades, mortgage loans, FRED API rates
- Thom Krooke realtor NPC with !thom commands and !thom pay extra principal
- Pet system with arrival, naming, leveling, combat, morning defense
- Pet ditch recovery scales with level, name validation

Wordle overhaul:
- Remove daily expiration — puzzles persist until solved/failed
- Auto-start new puzzle after solve, fail, or skip
- Sequential puzzle IDs instead of date-based
- Auto-create puzzle on first guess if none active

Adventure fixes:
- Double XP/money boost toggle (!adv boost, admin only)
- Fix ensureCharacter wiping existing data on query errors
- Fix rival RPS format string bug
- Fix daily summary empty data (load today+yesterday logs)
- Fix holdem DM-to-room reply routing
- Fix Robbie payout to 25% of item value
- Add fishing to leaderboard and TwinBee calculations
- Add Thom to morning menu
- Persist mortgage rate across restarts via db.CacheGet/Set

Infrastructure:
- Daily database backup via VACUUM INTO with 7-day retention
- Admin DM notification on backup failure (async)
- Daily NPC house balance reset for holdem

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

internal/plugin/adventure_npcs.go

@@ -133,6 +133,7 @@ func (p *AdventurePlugin) npcFireEncounter(userID id.UserID, npc string) {
 	switch npc {
 	case "misty":
 		char.MistyLastSeen = &now
+		char.MistyEncounterCount++
 		opening = mistyOpenings[rand.IntN(len(mistyOpenings))]
 		prompt = fmt.Sprintf("👤 A woman approaches you.\n\n_%s_\n\n"+
 			"Reply `yes` to give €%d, or `no` to walk away.", opening, mistyCost)
@@ -222,11 +223,23 @@ func (p *AdventurePlugin) resolveMisty(ctx MessageContext, char *AdventureCharac
 			return p.SendDM(ctx.Sender, "You reach for your gold but there isn't enough. She sees this. She doesn't say anything.\n\n_"+mistyDeclineLine+"_")
 		}
 		char.MistyBuffExpires = expires
+		char.MistyDonatedCount++
+
+		// Pet reactivation: donating to Misty after chasing pet away
+		mistyReactivatePet(char)
+
 		if err := saveAdvCharacter(char); err != nil {
 			slog.Error("npc: failed to save misty buff", "user", ctx.Sender, "err", err)
 		}
 
 		reply := mistyAcceptLines[rand.IntN(len(mistyAcceptLines))]
+
+		// Housing hint (fires once after 2+ encounters)
+		hint := mistyHousingHint(char)
+		if hint != "" {
+			reply += "\n\n_" + hint + "_"
+		}
+
 		return p.SendDM(ctx.Sender, fmt.Sprintf("_%s_", reply))
 	}