Richard 9abad277c2 @
Phase 0: Test-Fundament & Architektur-Doku

- IBKRTrader.Tests (xUnit + NSubstitute + FluentAssertions), nur Unit-Tests
- Repo-lokale NuGet.config: Test-Pakete in Allowlist ergaenzt
- Hauptprojekt: Test-Unterordner aus SDK-Globbing ausgeschlossen
- docs/ARCHITECTURE.md: Plan + Phasen-Checkliste
- grundregeln.md: .NET 10, Launcher-Modell; DB-Passwort entfernt

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>
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