Jack Levy a0e7ab4cd3 feat(ux): welcome banner, dashboard auth fix, docs update ...

- WelcomeBanner.tsx: guest-only dismissible onboarding card on dashboard
  (localStorage pv_seen_welcome, Browse Bills CTA, X dismiss)
- useDashboard: add !!token to query key so login/logout triggers
  a fresh fetch without manual refresh
- ARCHITECTURE.md: WelcomeBanner component, auth-aware query keys,
  v0.6.1 feature history entry
- Roadmap: mark welcome banner items complete
- Add MVP planning notes (Phase 3-6 roadmap draft)

Co-Authored-By: Jack Levy

2026-03-01 21:22:16 -05:00

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