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/wordle_render.go

@@ -74,7 +74,7 @@ func renderKeyboard(states map[rune]LetterResult) string {
 // renderWordleStartAnnouncement renders the puzzle start message.
 func renderWordleStartAnnouncement(puzzleNumber, wordLength int, hint string) string {
 	base := fmt.Sprintf(
-		"🟩 **Daily Wordle #%d**\nA new %d-letter puzzle is ready! Work together — %d guesses shared.",
+		"🟩 **Wordle #%d**\nA new %d-letter puzzle is ready! Work together — %d guesses shared.",
 		puzzleNumber, wordLength, wordleMaxGuesses(wordLength),
 	)
 	if hint != "" {