Internal: added docs/specs/PROPOSALS.md, the version 1 specification for a Proposals area (templates, pricing, JSON import, sending, signing, deposits as invoices, recurring invoices, tracking). docs/specs/README.md and TEMPLATE.md now require JSON import with a prompt instead of calls to AI services. Nothing is built yet.
Added the Proposals specification
Internal: docs/specs/PROPOSALS.md specifies a Proposals area; specifications now rule out calls to AI services.