feat: Lifetime PD (50yr) - Belkin & Suchower + Vasicek model

- Belkin & Suchower (1998) credit cycle index (Zt) estimation via WLS
- Vasicek single-factor conditional PD/TM model
- Macro-Zt OLS regression with stepwise variable selection
- 3-scenario (boom/neutral/recession) 50yr PD projection
- Statistical validation suite (ADF, Ljung-Box, R2, ARCH)
- BOK ECOS API integration with fallback data
- Visualization module (7 chart types)
- Detailed theoretical methodology docs/methodology.md

.agent/.agents/workflows/check-gitea.md

@@ -0,0 +1,40 @@
+---
+description: Gitea API로 저장소 커밋/이슈/PR 현황을 조회하는 워크플로우
+---
+
+# Gitea 저장소 현황 조회
+
+서비스 정보는 `.agents/workflows/services.md` 참조.
+
+// turbo-all
+
+## 절차
+
+1. 최근 커밋 조회 (최신 10개):
+```powershell
+$h = @{Authorization="token 3a01b4b15a39921572e64c413353e870d4d2161b"}
+$commits = Invoke-RestMethod -Uri "https://git.variet.net/api/v1/repos/Variet/LifetimePD/commits?limit=10&sha=main" -Headers $h
+$commits | ForEach-Object { Write-Host "$($_.sha.Substring(0,7)) $($_.commit.message.Split("`n")[0])" }
+```
+
+2. 열린 이슈 조회:
+```powershell
+$h = @{Authorization="token 3a01b4b15a39921572e64c413353e870d4d2161b"}
+$issues = Invoke-RestMethod -Uri "https://git.variet.net/api/v1/repos/Variet/LifetimePD/issues?state=open&type=issues" -Headers $h
+$issues | ForEach-Object { Write-Host "#$($_.number) $($_.title)" }
+```
+
+3. Wiki 페이지 목록:
+```powershell
+python .agents\workflows\helpers\wiki_helper.py list
+```
+
+4. Wiki 페이지 읽기:
+```powershell
+python .agents\workflows\helpers\wiki_helper.py read "Architecture"
+```
+
+5. Wiki 페이지 업데이트:
+```powershell
+python .agents\workflows\helpers\wiki_helper.py update "페이지-제목" /tmp/wiki_content.md
+```