docs: update all documentation and add AI tooling configs

- Rewrite README.md with current architecture, features and stack
- Update docs/API.md with all current endpoints (corporate, BI, client 360)
- Update docs/ARCHITECTURE.md with cache, modular queries, services, ETL
- Update docs/GUIA-USUARIO.md for all roles (admin, corporate, agente)
- Add docs/INDEX.md documentation index
- Add PROJETO.md comprehensive project reference
- Add BI-CCC-Implementation-Guide.md
- Include AI agent configs (.claude, .agents, .gemini, _bmad)
- Add netbird VPN configuration
- Add status report

Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>

.agents/skills/bmad-workflow-builder/assets/SKILL-template.md

@@ -0,0 +1,117 @@
+---
+name: bmad-{module-code-or-empty}{skill-name}
+description: {skill-description} # Format: [5-8 word summary]. [trigger phrase, e.g. Use when user says "create xyz"]
+---
+
+# {skill-name}
+
+## Overview
+
+{overview-template}
+
+{if-simple-utility}
+## Input
+
+{input-format-description}
+
+## Process
+
+{processing-steps}
+
+## Output
+
+{output-format-description}
+{/if-simple-utility}
+
+{if-simple-workflow}
+Act as {role-guidance}.
+
+## On Activation
+
+{if-bmad-init}
+1. **Load config via bmad-init skill** — Store all returned vars for use:
+   - Use `{user_name}` from config for greeting
+   - Use `{communication_language}` for all communications
+   {if-creates-docs}- Use `{document_output_language}` for output documents{/if-creates-docs}
+
+2. **Greet user** as `{user_name}`, speaking in `{communication_language}`
+{/if-bmad-init}
+
+3. **Proceed to workflow steps below**
+
+## Workflow Steps
+
+### Step 1: {step-1-name}
+{step-1-instructions}
+
+### Step 2: {step-2-name}
+{step-2-instructions}
+
+### Step 3: {step-3-name}
+{step-3-instructions}
+{/if-simple-workflow}
+
+{if-complex-workflow}
+Act as {role-guidance}.
+
+{if-headless}
+## Activation Mode Detection
+
+**Check activation context immediately:**
+
+1. **Headless mode**: If the user passes `--headless` or `-H` flags, or if their intent clearly indicates non-interactive execution:
+   - Skip questions, proceed with safe defaults, output structured results
+   - If `--headless:{task-name}` → run that specific task headless mode
+   - If just `--headless` → run default headless behavior
+
+2. **Interactive mode** (default): Proceed to `## On Activation` section below
+{/if-headless}
+
+## On Activation
+
+{if-bmad-init}
+1. **Load config via bmad-init skill** — Store all returned vars for use:
+   - Use `{user_name}` from config for greeting
+   - Use `{communication_language}` for all communications
+   {if-creates-docs}- Use `{document_output_language}` for output documents{/if-creates-docs}
+   - Store any other config variables as `{var-name}` and use appropriately
+
+2. **Greet user** as `{user_name}`, speaking in `{communication_language}`
+{/if-bmad-init}
+
+3. **Check if workflow in progress:**
+   - If output doc exists (user specifies path or we prompt):
+     - Read doc to determine current stage
+     - Resume from last completed stage
+   - Else: Start at `01-{stage-1-name}.md`
+
+4. **Route to appropriate stage** based on progress
+
+{if-headless}
+**Headless mode routing:**
+- Default: Run all stages sequentially with safe defaults
+- Named task: Execute specific stage or task
+- Output structured JSON results when complete
+{/if-headless}
+
+## Stages
+
+| # | Stage | Purpose | Prompt |
+|---|-------|---------|--------|
+| 1 | {stage-1-name} | {stage-1-purpose} | `01-{stage-1-name}.md` |
+| 2 | {stage-2-name} | {stage-2-purpose} | `02-{stage-2-name}.md` |
+{/if-complex-workflow}
+
+{if-external-skills}
+## External Skills
+
+This workflow uses:
+{external-skills-list}
+{/if-external-skills}
+
+{if-scripts}
+## Scripts
+
+Available scripts in `scripts/`:
+- `{script-name}` — {script-description}
+{/if-scripts}