fix: address code review issues

docs: rewrite README for v2.0 with full tax coverage

feat: add income, depreciation, IR3, and Xero CSV to report generator

feat: add income, asset, depreciation, provisional tax, IR3, and Xero commands

docs: add NZ depreciation rates reference for builder assets

docs: add NZ income tax reference for sole traders

feat: extend data structures for income, assets, and tax history

Clarify vision uses user's own OpenClaw model

Fix README accuracy and add privacy section

Fix ClawHub security warnings

Add usage guide: daily workflow, filing schedule, and myIR instructions

Add OpenClaw installation instructions (ClawHub, git clone, manual)

Remove Chinese characters from README for public repo

Initial release: OpenClaw skill for NZ receipt → IRD GST report