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_twinbee.go

@@ -56,7 +56,7 @@ func twinBeeMaxTier() int {
 		if !c.Alive {
 			continue
 		}
-		combined := c.CombatLevel + c.MiningSkill + c.ForagingSkill
+		combined := c.CombatLevel + c.MiningSkill + c.ForagingSkill + c.FishingSkill
 		if combined > bestLevel {
 			bestLevel = combined
 		}
@@ -264,12 +264,12 @@ func (p *AdventurePlugin) distributeTwinBeeRewards(result *TwinBeeResult) TwinBe
 	var players []eligiblePlayer
 	totalWeight := 0
 	for _, uid := range eligible {
-		weight := 3 // minimum (level 1 in all 3 skills)
+		weight := 4 // minimum (level 1 in all 4 skills)
 		for _, c := range chars {
 			if c.UserID == uid {
-				weight = c.CombatLevel + c.MiningSkill + c.ForagingSkill
-				if weight < 3 {
-					weight = 3
+				weight = c.CombatLevel + c.MiningSkill + c.ForagingSkill + c.FishingSkill
+				if weight < 4 {
+					weight = 4
 				}
 				break
 			}