Smart onboarding: residence home profile + suggestion engine

14 new optional residence fields (heating, cooling, water heater, roof,
pool, sprinkler, septic, fireplace, garage, basement, attic, exterior,
flooring, landscaping) with JSONB conditions on templates.

Suggestion engine scores templates against home profile: string match
+0.25, bool +0.3, property type +0.15, universal base 0.3. Graceful
degradation from minimal to full profile info.

GET /api/tasks/suggestions/?residence_id=X returns ranked templates.
54 template conditions across 44 templates in seed data.
8 suggestion service tests.

internal/testutil/testutil.go

@@ -70,6 +70,8 @@ func SetupTestDB(t *testing.T) *gorm.DB {
 		&models.UpgradeTrigger{},
 		&models.Promotion{},
 		&models.AuditLog{},
+		&models.TaskTemplate{},
+		&models.ClimateRegion{},
 	)
 	require.NoError(t, err)