Emerald Standard 1.1.4

##Company bank system “completed” (expanded operationally)

• Company bank operations (emeralds + notes)
• Company bank ledger entries for activity
• Proposal funding integrates into bank balances with persistence

Business loans for companies

• Company loans issued to company bank account context
• Company loan apply/repay/list/info flows added
• Additive ownership metadata (loan_meta) to keep player loans compatible

Company creation finalized (polish + initialization completeness)

• Creation flow ensures bank + governance initialization

Loan GUI upgraded

• More feature-rich /loan GUI: lists, detail view, schedule view, presets, quick repay actions
• Chat becomes fallback for custom numeric inputs / reasons / certain custom flows