ComplyKosh docs

• market-analysis.md — competitors, segments, target customers, differentiation, indicative pricing.
• planning/requirements.md — roles, MVP modules, non-functional requirements.
• planning/architecture.md — stack, backend/frontend layout, collections, tenancy, storage.
• planning/roadmap.md — Phase 2/3 standards (ISO 14001/45001, NAAC/NBA, HIPAA, PCI-DSS, NIST, CMMI, ISO 21001, IATF, AS9100, CBSE) and features.
• decisions/ADR-001-to-006.md — architecture decision records.
• /app/memory/PRD.md — living PRD with implementation log and backlog.
• /app/memory/test_credentials.md — demo accounts.