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+[submodule "virtual-banker"]
+	path = virtual-banker
+	url = https://gitea.d-bis.org/d-bis/virtual-banker.git
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+Subproject commit b4753cef7e78960337bb6ed9e4865fac03fb33d8
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-# Virtual Banker - Complete Task, Recommendation, and Suggestion List
-
-**Last Updated**: 2025-01-20  
-**Status**: Implementation Complete, Production Integration Pending
-
----
-
-## Table of Contents
-
-1. [Completed Tasks](#completed-tasks)
-2. [Critical Tasks (Must Do)](#critical-tasks-must-do)
-3. [High Priority Tasks](#high-priority-tasks)
-4. [Medium Priority Tasks](#medium-priority-tasks)
-5. [Low Priority Tasks](#low-priority-tasks)
-6. [Recommendations](#recommendations)
-7. [Suggestions for Enhancement](#suggestions-for-enhancement)
-8. [Testing Tasks](#testing-tasks)
-9. [Documentation Tasks](#documentation-tasks)
-10. [Production Readiness Checklist](#production-readiness-checklist)
-
----
-
-## Completed Tasks ✅
-
-### Phase 0: Foundation & Widget
-- [x] Backend directory structure created
-- [x] Session service with JWT validation
-- [x] REST API endpoints (create, refresh, end session)
-- [x] Database migrations (sessions, tenants, conversations, knowledge base, user profiles)
-- [x] Redis integration for session caching
-- [x] Embeddable React/TypeScript widget
-- [x] Chat UI components (ChatPanel, VoiceControls, AvatarView, Captions, Settings)
-- [x] Widget loader script (`widget.js`)
-- [x] PostMessage API for host integration
-- [x] Accessibility features (ARIA, keyboard navigation, captions)
-- [x] Theming system
-- [x] Docker Compose integration
-
-### Phase 1: Voice & Realtime
-- [x] WebRTC gateway infrastructure
-- [x] WebSocket signaling support
-- [x] ASR service interface and mock implementation
-- [x] TTS service interface and mock implementation
-- [x] Conversation orchestrator with state machine
-- [x] Barge-in support (interrupt handling)
-- [x] Audio/video synchronization framework
-
-### Phase 2: LLM & RAG
-- [x] LLM gateway interface and mock
-- [x] Multi-tenant prompt builder
-- [x] RAG service with pgvector
-- [x] Document ingestion pipeline
-- [x] Vector similarity search
-- [x] Tool framework (registry, executor, audit logging)
-- [x] Banking tool integrations:
-  - [x] get_account_status
-  - [x] create_support_ticket
-  - [x] schedule_appointment
-  - [x] submit_payment
-- [x] Banking service HTTP client
-- [x] Fallback mechanisms for service unavailability
-
-### Phase 3: Avatar System
-- [x] Unreal Engine setup documentation
-- [x] Renderer service structure
-- [x] PixelStreaming integration framework
-- [x] Animation controller:
-  - [x] Viseme mapping (phoneme → viseme)
-  - [x] Expression system (valence/arousal → facial expressions)
-  - [x] Gesture system (rule-based gesture selection)
-
-### Phase 4: Memory & Observability
-- [x] Memory service (user profiles, conversation history)
-- [x] Observability (tracing, metrics)
-- [x] Safety/compliance (content filtering, rate limiting)
-- [x] PII redaction framework
-
-### Phase 5: Enterprise Features
-- [x] Multi-tenancy support
-- [x] Tenant configuration system
-- [x] Complete documentation
-
-### Integration Tasks
-- [x] Orchestrator connected to all services
-- [x] Banking tools connected to backend services
-- [x] WebSocket support added to API
-- [x] Startup scripts created
-- [x] All compilation errors fixed
-- [x] Code builds successfully
-
----
-
-## Critical Tasks (Must Do)
-
-### 1. Replace Mock Services with Real APIs
-
-#### ASR Service Integration
-- [ ] **Get API credentials**:
-  - [ ] Sign up for Deepgram account OR
-  - [ ] Set up Google Cloud Speech-to-Text
-  - [ ] Obtain API keys and configure environment variables
-
-- [ ] **Implement Deepgram Integration**:
-  - [ ] Update `backend/asr/service.go`
-  - [ ] Implement WebSocket streaming connection
-  - [ ] Handle partial and final transcripts
-  - [ ] Extract word-level timestamps for lip sync
-  - [ ] Add error handling and retry logic
-  - [ ] Test with real audio streams
-
-- [ ] **OR Implement Google STT**:
-  - [ ] Set up Google Cloud credentials
-  - [ ] Implement streaming recognition
-  - [ ] Handle language detection
-  - [ ] Add punctuation and formatting
-
-#### TTS Service Integration
-- [ ] **Get API credentials**:
-  - [ ] Sign up for ElevenLabs account OR
-  - [ ] Set up Azure Cognitive Services TTS
-  - [ ] Obtain API keys
-
-- [ ] **Implement ElevenLabs Integration**:
-  - [ ] Update `backend/tts/service.go`
-  - [ ] Implement streaming synthesis
-  - [ ] Configure voice selection per tenant
-  - [ ] Extract phoneme/viseme timings
-  - [ ] Add SSML support
-  - [ ] Test voice quality and latency
-
-- [ ] **OR Implement Azure TTS**:
-  - [ ] Set up Azure credentials
-  - [ ] Implement neural voice synthesis
-  - [ ] Configure SSML
-  - [ ] Add voice cloning if needed
-
-#### LLM Gateway Integration
-- [ ] **Get API credentials**:
-  - [ ] Sign up for OpenAI account OR
-  - [ ] Sign up for Anthropic Claude
-  - [ ] Obtain API keys
-
-- [ ] **Implement OpenAI Integration**:
-  - [ ] Update `backend/llm/gateway.go`
-  - [ ] Implement function calling
-  - [ ] Add streaming support
-  - [ ] Configure model selection (GPT-4, GPT-3.5)
-  - [ ] Implement output schema enforcement
-  - [ ] Add emotion/gesture extraction
-  - [ ] Test with real conversations
-
-- [ ] **OR Implement Anthropic Claude**:
-  - [ ] Implement tool use
-  - [ ] Add streaming
-  - [ ] Configure model (Claude 3 Opus/Sonnet)
-
-### 2. Complete WebRTC Implementation
-
-- [ ] **Implement SDP Offer/Answer Exchange**:
-  - [ ] Handle SDP offer from client
-  - [ ] Generate SDP answer
-  - [ ] Exchange via WebSocket signaling
-  - [ ] Test connection establishment
-
-- [ ] **Implement ICE Candidate Handling**:
-  - [ ] Collect ICE candidates from client
-  - [ ] Send server ICE candidates
-  - [ ] Handle candidate exchange
-  - [ ] Test with various network conditions
-
-- [ ] **Configure TURN Server**:
-  - [ ] Set up TURN server (coturn or similar)
-  - [ ] Configure credentials
-  - [ ] Add TURN URLs to ICE configuration
-  - [ ] Test behind NAT/firewall
-
-- [ ] **Implement Media Streaming**:
-  - [ ] Stream audio from client → ASR service
-  - [ ] Stream audio from TTS → client
-  - [ ] Stream video from avatar → client
-  - [ ] Synchronize audio/video
-  - [ ] Handle network issues and reconnection
-
-### 3. Unreal Engine Avatar Setup
-
-- [ ] **Install and Configure Unreal Engine**:
-  - [ ] Download Unreal Engine 5.3+ (or 5.4+)
-  - [ ] Install on development machine
-  - [ ] Enable PixelStreaming plugin
-  - [ ] Configure project settings
-
-- [ ] **Create/Import Digital Human**:
-  - [ ] Option A: Use Ready Player Me
-    - [ ] Install Ready Player Me plugin
-    - [ ] Generate or import character
-    - [ ] Configure blendshapes
-  - [ ] Option B: Use MetaHuman Creator
-    - [ ] Create MetaHuman character
-    - [ ] Export to project
-    - [ ] Configure animation
-  - [ ] Option C: Import custom character
-    - [ ] Import FBX/glTF with blendshapes
-    - [ ] Set up rigging
-    - [ ] Configure viseme blendshapes
-
-- [ ] **Set Up Animation System**:
-  - [ ] Create Animation Blueprint
-  - [ ] Set up state machine (idle, speaking, gesturing)
-  - [ ] Connect viseme blendshapes
-  - [ ] Configure expression blendshapes
-  - [ ] Add gesture animations
-  - [ ] Set up idle animations
-
-- [ ] **Configure PixelStreaming**:
-  - [ ] Enable PixelStreaming in project settings
-  - [ ] Configure WebRTC ports
-  - [ ] Set up signaling server
-  - [ ] Test streaming locally
-
-- [ ] **Create Control Blueprint**:
-  - [ ] Create Blueprint Actor for avatar control
-  - [ ] Add functions:
-    - [ ] SetVisemes(VisemeData)
-    - [ ] SetExpression(Valence, Arousal)
-    - [ ] SetGesture(GestureType)
-    - [ ] SetGaze(Target)
-  - [ ] Connect to renderer service
-
-- [ ] **Package for Deployment**:
-  - [ ] Package project for Linux
-  - [ ] Test on target server
-  - [ ] Configure GPU requirements
-  - [ ] Set up instance management
-
-### 4. Connect to Production Banking Services
-
-- [ ] **Identify Banking API Endpoints**:
-  - [ ] Review `backend/banking/` structure
-  - [ ] Document actual API endpoints
-  - [ ] Identify authentication requirements
-  - [ ] Check rate limits and quotas
-
-- [ ] **Update Banking Client**:
-  - [ ] Update `backend/tools/banking/integration.go`
-  - [ ] Match actual endpoint paths
-  - [ ] Implement proper authentication
-  - [ ] Add request/response validation
-  - [ ] Handle errors appropriately
-
-- [ ] **Test Banking Integrations**:
-  - [ ] Test account status retrieval
-  - [ ] Test ticket creation
-  - [ ] Test appointment scheduling
-  - [ ] Test payment submission (with proper safeguards)
-  - [ ] Verify audit logging
-
----
-
-## High Priority Tasks
-
-### 5. Testing Infrastructure
-
-- [ ] **Unit Tests**:
-  - [ ] Session service tests
-  - [ ] Orchestrator tests
-  - [ ] LLM gateway tests
-  - [ ] RAG service tests
-  - [ ] Tool executor tests
-  - [ ] Banking tool tests
-  - [ ] Safety filter tests
-  - [ ] Rate limiter tests
-
-- [ ] **Integration Tests**:
-  - [ ] API endpoint tests
-  - [ ] WebSocket connection tests
-  - [ ] Database integration tests
-  - [ ] Redis integration tests
-  - [ ] End-to-end conversation flow tests
-
-- [ ] **E2E Tests**:
-  - [ ] Widget initialization
-  - [ ] Session creation flow
-  - [ ] Text conversation flow
-  - [ ] Voice conversation flow (when WebRTC ready)
-  - [ ] Tool execution flow
-  - [ ] Error handling scenarios
-
-- [ ] **Load Testing**:
-  - [ ] Concurrent session handling
-  - [ ] API rate limiting
-  - [ ] Database connection pooling
-  - [ ] Redis performance
-  - [ ] Avatar renderer scaling
-
-### 6. Security Hardening
-
-- [ ] **Authentication & Authorization**:
-  - [ ] Implement proper JWT validation
-  - [ ] Add tenant-specific JWK support
-  - [ ] Implement role-based access control
-  - [ ] Add session token rotation
-  - [ ] Implement CSRF protection
-
-- [ ] **Input Validation**:
-  - [ ] Validate all API inputs
-  - [ ] Sanitize user messages
-  - [ ] Validate tool parameters
-  - [ ] Add request size limits
-  - [ ] Implement SQL injection prevention
-
-- [ ] **Secrets Management**:
-  - [ ] Set up secrets management (Vault, AWS Secrets Manager)
-  - [ ] Remove hardcoded credentials
-  - [ ] Rotate API keys regularly
-  - [ ] Encrypt sensitive data at rest
-  - [ ] Use TLS for all external communication
-
-- [ ] **Content Security**:
-  - [ ] Enhance content filtering
-  - [ ] Add ML-based abuse detection
-  - [ ] Implement PII detection and redaction
-  - [ ] Add data loss prevention
-  - [ ] Monitor for suspicious activity
-
-### 7. Monitoring & Observability
-
-- [ ] **Metrics Collection**:
-  - [ ] Set up Prometheus metrics
-  - [ ] Add Grafana dashboards
-  - [ ] Monitor key metrics:
-    - [ ] Session creation rate
-    - [ ] Active sessions
-    - [ ] API latency (p50, p95, p99)
-    - [ ] Error rates
-    - [ ] ASR/TTS/LLM latency
-    - [ ] Tool execution times
-    - [ ] Avatar render queue depth
-
-- [ ] **Logging**:
-  - [ ] Set up centralized logging (ELK, Loki)
-  - [ ] Implement structured logging (JSON)
-  - [ ] Add correlation IDs
-  - [ ] Configure log levels
-  - [ ] Set up log retention policies
-  - [ ] Implement log rotation
-
-- [ ] **Tracing**:
-  - [ ] Set up OpenTelemetry
-  - [ ] Add distributed tracing
-  - [ ] Trace conversation flows
-  - [ ] Trace tool executions
-  - [ ] Add performance profiling
-
-- [ ] **Alerting**:
-  - [ ] Set up alert rules
-  - [ ] Configure notification channels
-  - [ ] Add alerts for:
-    - [ ] High error rates
-    - [ ] Service downtime
-    - [ ] High latency
-    - [ ] Resource exhaustion
-    - [ ] Security incidents
-
-### 8. Performance Optimization
-
-- [ ] **Database Optimization**:
-  - [ ] Add database indexes
-  - [ ] Optimize queries
-  - [ ] Set up connection pooling
-  - [ ] Configure read replicas
-  - [ ] Implement query caching
-  - [ ] Add database monitoring
-
-- [ ] **Caching Strategy**:
-  - [ ] Cache tenant configurations
-  - [ ] Cache RAG embeddings
-  - [ ] Cache LLM responses (where appropriate)
-  - [ ] Cache user profiles
-  - [ ] Implement cache invalidation
-
-- [ ] **API Optimization**:
-  - [ ] Add response compression
-  - [ ] Implement pagination
-  - [ ] Add request batching
-  - [ ] Optimize JSON serialization
-  - [ ] Add API response caching
-
-- [ ] **Avatar Rendering Optimization**:
-  - [ ] Optimize Unreal rendering settings
-  - [ ] Implement instance pooling
-  - [ ] Add GPU resource management
-  - [ ] Optimize video encoding
-  - [ ] Reduce bandwidth usage
-
----
-
-## Medium Priority Tasks
-
-### 9. Enhanced Features
-
-- [ ] **Multi-language Support**:
-  - [ ] Add language detection
-  - [ ] Configure ASR for multiple languages
-  - [ ] Configure TTS for multiple languages
-  - [ ] Add translation support
-  - [ ] Update RAG for multi-language
-
-- [ ] **Advanced RAG**:
-  - [ ] Implement reranking (cross-encoder)
-  - [ ] Add hybrid search (keyword + vector)
-  - [ ] Implement query expansion
-  - [ ] Add citation tracking
-  - [ ] Implement knowledge graph
-
-- [ ] **Enhanced Tool Framework**:
-  - [ ] Add tool versioning
-  - [ ] Implement tool chaining
-  - [ ] Add conditional tool execution
-  - [ ] Implement tool result caching
-  - [ ] Add tool usage analytics
-
-- [ ] **Conversation Features**:
-  - [ ] Add conversation summarization
-  - [ ] Implement context window management
-  - [ ] Add conversation branching
-  - [ ] Implement conversation templates
-  - [ ] Add conversation analytics
-
-### 10. User Experience Enhancements
-
-- [ ] **Widget Enhancements**:
-  - [ ] Add typing indicators
-  - [ ] Add message reactions
-  - [ ] Add file upload support
-  - [ ] Add image display
-  - [ ] Add link previews
-  - [ ] Add emoji support
-  - [ ] Add message search
-  - [ ] Add conversation export
-
-- [ ] **Avatar Enhancements**:
-  - [ ] Add multiple avatar options
-  - [ ] Add avatar customization
-  - [ ] Add background options
-  - [ ] Add lighting controls
-  - [ ] Add camera angle options
-
-- [ ] **Accessibility Enhancements**:
-  - [ ] Add screen reader announcements
-  - [ ] Add high contrast mode
-  - [ ] Add font size controls
-  - [ ] Add keyboard shortcuts
-  - [ ] Add voice commands
-
-### 11. Admin & Management
-
-- [ ] **Tenant Admin Console**:
-  - [ ] Create admin UI
-  - [ ] Add tenant management
-  - [ ] Add user management
-  - [ ] Add configuration management
-  - [ ] Add analytics dashboard
-  - [ ] Add usage reports
-
-- [ ] **Content Management**:
-  - [ ] Add knowledge base management UI
-  - [ ] Add document upload interface
-  - [ ] Add content moderation tools
-  - [ ] Add FAQ management
-  - [ ] Add prompt template editor
-
-- [ ] **Monitoring Dashboard**:
-  - [ ] Create operations dashboard
-  - [ ] Add real-time metrics
-  - [ ] Add conversation replay
-  - [ ] Add error tracking
-  - [ ] Add performance monitoring
-
-### 12. Compliance & Governance
-
-- [ ] **Data Retention**:
-  - [ ] Implement retention policies
-  - [ ] Add data deletion workflows
-  - [ ] Add data export functionality
-  - [ ] Implement GDPR compliance
-  - [ ] Add CCPA compliance
-
-- [ ] **Audit Trails**:
-  - [ ] Enhance audit logging
-  - [ ] Add audit log viewer
-  - [ ] Implement audit log retention
-  - [ ] Add compliance reports
-  - [ ] Add tamper detection
-
-- [ ] **Consent Management**:
-  - [ ] Add consent tracking
-  - [ ] Implement consent workflows
-  - [ ] Add consent withdrawal
-  - [ ] Add consent reporting
-
----
-
-## Low Priority Tasks
-
-### 13. Advanced Features
-
-- [ ] **Proactive Engagement**:
-  - [ ] Add proactive notifications
-  - [ ] Implement scheduled conversations
-  - [ ] Add event-triggered engagement
-  - [ ] Add personalized recommendations
-
-- [ ] **Human Handoff**:
-  - [ ] Implement handoff workflow
-  - [ ] Add live agent integration
-  - [ ] Add handoff queue management
-  - [ ] Add seamless transition
-
-- [ ] **Analytics & Insights**:
-  - [ ] Add conversation analytics
-  - [ ] Add sentiment analysis
-  - [ ] Add intent tracking
-  - [ ] Add satisfaction scoring
-  - [ ] Add predictive analytics
-
-- [ ] **Integration Enhancements**:
-  - [ ] Add webhook support
-  - [ ] Add API webhooks
-  - [ ] Add third-party integrations
-  - [ ] Add CRM integration
-  - [ ] Add ticketing system integration
-
-### 14. Developer Experience
-
-- [ ] **SDK Development**:
-  - [ ] Create JavaScript SDK
-  - [ ] Create Python SDK
-  - [ ] Add SDK documentation
-  - [ ] Add SDK examples
-
-- [ ] **API Documentation**:
-  - [ ] Add OpenAPI/Swagger spec
-  - [ ] Add interactive API docs
-  - [ ] Add code examples
-  - [ ] Add integration guides
-
-- [ ] **Development Tools**:
-  - [ ] Add local development setup
-  - [ ] Add mock services for testing
-  - [ ] Add development scripts
-  - [ ] Add debugging tools
-
----
-
-## Recommendations
-
-### Architecture Recommendations
-
-1. **Service Mesh**: Consider implementing a service mesh (Istio, Linkerd) for:
-   - Service discovery
-   - Load balancing
-   - Circuit breaking
-   - Observability
-
-2. **Message Queue**: Consider adding a message queue (Kafka, RabbitMQ) for:
-   - Async processing
-   - Event streaming
-   - Decoupling services
-   - Scalability
-
-3. **API Gateway**: Consider adding an API gateway (Kong, AWS API Gateway) for:
-   - Rate limiting
-   - Authentication
-   - Request routing
-   - API versioning
-
-4. **CDN**: Use a CDN for widget assets:
-   - Faster load times
-   - Global distribution
-   - Reduced server load
-   - Better caching
-
-### Performance Recommendations
-
-1. **Database**: 
-   - Use read replicas for queries
-   - Implement connection pooling
-   - Add query result caching
-   - Consider TimescaleDB for time-series data
-
-2. **Caching**:
-   - Cache tenant configurations
-   - Cache RAG embeddings
-   - Cache frequently accessed data
-   - Use Redis Cluster for high availability
-
-3. **Scaling**:
-   - Implement horizontal scaling
-   - Use auto-scaling based on metrics
-   - Separate GPU cluster for avatars
-   - Use load balancers
-
-### Security Recommendations
-
-1. **Network Security**:
-   - Use private networks for internal communication
-   - Implement network segmentation
-   - Use VPN for admin access
-   - Add DDoS protection
-
-2. **Application Security**:
-   - Regular security audits
-   - Penetration testing
-   - Dependency scanning
-   - Code review process
-
-3. **Data Security**:
-   - Encrypt data at rest
-   - Encrypt data in transit
-   - Implement key rotation
-   - Add data masking for non-production
-
-### Cost Optimization Recommendations
-
-1. **Resource Management**:
-   - Right-size instances
-   - Use spot instances for non-critical workloads
-   - Implement resource quotas
-   - Monitor and optimize costs
-
-2. **API Costs**:
-   - Cache LLM responses where appropriate
-   - Optimize ASR/TTS usage
-   - Use cheaper models for simple queries
-   - Implement usage limits
-
-3. **Avatar Rendering**:
-   - Use GPU instance pooling
-   - Implement instance reuse
-   - Optimize rendering settings
-   - Consider client-side rendering for some use cases
-
----
-
-## Suggestions for Enhancement
-
-### User Experience
-
-1. **Personalization**:
-   - Learn user preferences
-   - Adapt conversation style
-   - Remember past interactions
-   - Provide personalized recommendations
-
-2. **Multi-modal Interaction**:
-   - Add screen sharing
-   - Add document co-browsing
-   - Add form filling assistance
-   - Add visual aids
-
-3. **Gamification**:
-   - Add achievement system
-   - Add progress tracking
-   - Add rewards for engagement
-   - Add leaderboards
-
-### Business Features
-
-1. **Analytics Dashboard**:
-   - Real-time metrics
-   - Historical trends
-   - User behavior analysis
-   - ROI calculations
-
-2. **A/B Testing**:
-   - Test different prompts
-   - Test different avatars
-   - Test different conversation flows
-   - Test different tool configurations
-
-3. **White-label Solution**:
-   - Custom branding
-   - Custom domain
-   - Custom styling
-   - Custom features
-
-### Technical Enhancements
-
-1. **Edge Computing**:
-   - Deploy closer to users
-   - Reduce latency
-   - Improve performance
-   - Better user experience
-
-2. **Federated Learning**:
-   - Improve models without sharing data
-   - Privacy-preserving ML
-   - Better personalization
-   - Reduced data transfer
-
-3. **Blockchain Integration**:
-   - Immutable audit logs
-   - Decentralized identity
-   - Smart contracts for payments
-   - Trust verification
-
----
-
-## Testing Tasks
-
-### Unit Testing
-- [ ] Session service (100% coverage)
-- [ ] Orchestrator (all state transitions)
-- [ ] LLM gateway (all providers)
-- [ ] RAG service (retrieval, ranking)
-- [ ] Tool executor (all tools)
-- [ ] Banking tools (all operations)
-- [ ] Safety filters (all rules)
-- [ ] Rate limiter (all scenarios)
-
-### Integration Testing
-- [ ] API endpoints (all routes)
-- [ ] WebSocket connections
-- [ ] Database operations
-- [ ] Redis operations
-- [ ] Service interactions
-- [ ] Error handling
-- [ ] Retry logic
-
-### E2E Testing
-- [ ] Widget initialization
-- [ ] Session lifecycle
-- [ ] Text conversation
-- [ ] Voice conversation
-- [ ] Tool execution
-- [ ] Error scenarios
-- [ ] Multi-tenant isolation
-
-### Performance Testing
-- [ ] Load testing (1000+ concurrent sessions)
-- [ ] Stress testing
-- [ ] Endurance testing
-- [ ] Spike testing
-- [ ] Volume testing
-
-### Security Testing
-- [ ] Penetration testing
-- [ ] Vulnerability scanning
-- [ ] Authentication testing
-- [ ] Authorization testing
-- [ ] Input validation testing
-- [ ] SQL injection testing
-- [ ] XSS testing
-
----
-
-## Documentation Tasks
-
-- [ ] **API Documentation**:
-  - [ ] Complete OpenAPI specification
-  - [ ] Add request/response examples
-  - [ ] Add error code documentation
-  - [ ] Add authentication guide
-
-- [ ] **Integration Guides**:
-  - [ ] Widget integration guide (enhanced)
-  - [ ] Banking service integration guide
-  - [ ] Third-party service integration
-  - [ ] Custom tool development guide
-
-- [ ] **Operations Documentation**:
-  - [ ] Deployment runbook
-  - [ ] Troubleshooting guide
-  - [ ] Monitoring guide
-  - [ ] Incident response guide
-
-- [ ] **Developer Documentation**:
-  - [ ] Architecture deep dive
-  - [ ] Code contribution guide
-  - [ ] Development setup guide
-  - [ ] Testing guide
-
----
-
-## Production Readiness Checklist
-
-### Infrastructure
-- [ ] Production database setup
-- [ ] Production Redis setup
-- [ ] Load balancer configuration
-- [ ] CDN configuration
-- [ ] DNS configuration
-- [ ] SSL/TLS certificates
-- [ ] Backup systems
-- [ ] Disaster recovery plan
-
-### Security
-- [ ] Security audit completed
-- [ ] Penetration testing passed
-- [ ] Secrets management configured
-- [ ] Access controls implemented
-- [ ] Monitoring and alerting active
-- [ ] Incident response plan ready
-
-### Monitoring
-- [ ] Metrics collection active
-- [ ] Logging configured
-- [ ] Tracing enabled
-- [ ] Dashboards created
-- [ ] Alerts configured
-- [ ] On-call rotation set up
-
-### Performance
-- [ ] Load testing completed
-- [ ] Performance benchmarks met
-- [ ] Scaling configured
-- [ ] Caching optimized
-- [ ] Database optimized
-
-### Compliance
-- [ ] GDPR compliance verified
-- [ ] CCPA compliance verified
-- [ ] Data retention policies set
-- [ ] Audit logging active
-- [ ] Consent management implemented
-
-### Documentation
-- [ ] API documentation complete
-- [ ] Integration guides complete
-- [ ] Operations runbooks complete
-- [ ] Troubleshooting guides complete
-
----
-
-## Summary Statistics
-
-- **Total Completed Tasks**: 50+
-- **Critical Tasks Remaining**: 12
-- **High Priority Tasks**: 20+
-- **Medium Priority Tasks**: 15+
-- **Low Priority Tasks**: 10+
-- **Recommendations**: 15+
-- **Suggestions**: 10+
-
-**Estimated Time to Production**: 10-16 days (with focused effort)
-
----
-
-## Priority Order for Next Steps
-
-1. **Week 1**: Replace mock services (ASR, TTS, LLM)
-2. **Week 2**: Complete WebRTC implementation
-3. **Week 3**: Unreal Engine avatar setup
-4. **Week 4**: Testing and production hardening
-
----
-
-**Last Updated**: 2025-01-20  
-**Status**: Ready for production integration phase
-
diff --git a/virtual-banker/COMPLETION_SUMMARY.md b/virtual-banker/COMPLETION_SUMMARY.md
deleted file mode 100644
index f686e20..0000000
--- a/virtual-banker/COMPLETION_SUMMARY.md
+++ /dev/null
@@ -1,149 +0,0 @@
-# Virtual Banker Implementation - Completion Summary
-
-## ✅ All Integration Steps Completed
-
-### 1. Service Integration ✅
-- **Orchestrator** fully integrated with:
-  - LLM Gateway (with conversation history)
-  - RAG Service (document retrieval)
-  - Tool Executor (banking tools)
-  - ASR/TTS services
-
-### 2. Banking Service Integration ✅
-- **BankingClient** created for HTTP communication
-- **AccountStatusTool** connects to banking API with fallback
-- **CreateTicketTool** connects to banking API with fallback
-- All tools have graceful fallback to mock data
-
-### 3. WebSocket/Realtime Support ✅
-- **Realtime Gateway** integrated into API routes
-- WebSocket endpoint: `/v1/realtime/{session_id}`
-- Connection management and message routing
-
-### 4. Startup Scripts ✅
-- `scripts/setup-database.sh` - Database migration runner
-- `scripts/start-backend.sh` - Backend service starter
-- Both scripts are executable and ready to use
-
-### 5. Code Quality ✅
-- All compilation errors fixed
-- Dependencies properly managed
-- Code compiles successfully
-
-## 🎯 System Status
-
-### Backend Services
-- ✅ Session Management
-- ✅ REST API (sessions, health)
-- ✅ WebSocket Gateway
-- ✅ Conversation Orchestrator
-- ✅ LLM Gateway (mock, ready for OpenAI/Anthropic)
-- ✅ RAG Service (pgvector)
-- ✅ Tool Framework
-- ✅ Banking Tool Integrations
-- ✅ ASR Service (mock, ready for Deepgram)
-- ✅ TTS Service (mock, ready for ElevenLabs)
-- ✅ Safety/Compliance
-- ✅ Memory Service
-- ✅ Observability
-
-### Frontend Widget
-- ✅ React/TypeScript components
-- ✅ Chat UI
-- ✅ Voice controls
-- ✅ Avatar view
-- ✅ Captions
-- ✅ Settings
-- ✅ PostMessage API
-- ✅ WebRTC hooks (ready for connection)
-
-### Infrastructure
-- ✅ Database migrations
-- ✅ Docker configurations
-- ✅ Deployment scripts
-- ✅ Documentation
-
-## 📋 Next Steps (For Production)
-
-### Immediate (Ready to Implement)
-1. **Replace Mock Services**:
-   - Add API keys for Deepgram/ElevenLabs/OpenAI
-   - Update service implementations
-   - Test with real APIs
-
-2. **Complete WebRTC**:
-   - Implement SDP offer/answer
-   - Add ICE candidate handling
-   - Test media streaming
-
-3. **Unreal Engine Setup**:
-   - Create Unreal project
-   - Import digital human
-   - Configure PixelStreaming
-
-### Testing
-- Unit tests for services
-- Integration tests for API
-- E2E tests for widget
-
-### Production
-- Secrets management
-- Monitoring setup
-- Scaling configuration
-- Security hardening
-
-## 🚀 Quick Start
-
-```bash
-# 1. Setup database
-cd virtual-banker
-./scripts/setup-database.sh
-
-# 2. Start backend
-./scripts/start-backend.sh
-
-# 3. Test API
-curl http://localhost:8081/health
-
-# 4. Create session
-curl -X POST http://localhost:8081/v1/sessions \
-  -H "Content-Type: application/json" \
-  -d '{
-    "tenant_id": "default",
-    "user_id": "test-user",
-    "auth_assertion": "test-token"
-  }'
-```
-
-## 📊 Implementation Statistics
-
-- **Backend Files**: 30+ Go files
-- **Frontend Files**: 20+ TypeScript/React files
-- **Database Migrations**: 5 migration files
-- **Documentation**: 4 comprehensive guides
-- **Scripts**: 2 startup scripts
-- **Total Lines of Code**: ~5000+
-
-## ✨ Key Features Implemented
-
-1. **Multi-tenant Architecture** - Complete tenant isolation
-2. **Session Management** - Secure, ephemeral sessions
-3. **Real-time Communication** - WebSocket infrastructure
-4. **Conversation Orchestration** - State machine with barge-in
-5. **RAG Integration** - Vector search for knowledge retrieval
-6. **Tool Framework** - Extensible action system
-7. **Banking Integration** - Connected to backend services
-8. **Safety & Compliance** - Content filtering, rate limiting
-9. **Observability** - Tracing and metrics
-10. **Accessibility** - WCAG-compliant widget
-
-## 🎉 Status: READY FOR INTEGRATION
-
-All core infrastructure is complete and functional. The system is ready for:
-- Integration with real ASR/TTS/LLM services
-- Connection to production banking APIs
-- Unreal Engine avatar setup
-- Production deployment
-
-The Virtual Banker submodule is **fully implemented** and ready for the next phase of development!
-
diff --git a/virtual-banker/FINAL_STATUS.md b/virtual-banker/FINAL_STATUS.md
deleted file mode 100644
index 1769004..0000000
--- a/virtual-banker/FINAL_STATUS.md
+++ /dev/null
@@ -1,188 +0,0 @@
-# Virtual Banker - Final Implementation Status
-
-## ✅ ALL INTEGRATION STEPS COMPLETE
-
-**Date**: 2025-01-20  
-**Status**: ✅ **FULLY INTEGRATED AND BUILDING SUCCESSFULLY**
-
----
-
-## Completed Integration Tasks
-
-### 1. Service Integration ✅
-- **Orchestrator** fully connected to:
-  - LLM Gateway (with conversation history tracking)
-  - RAG Service (document retrieval with pgvector)
-  - Tool Executor (banking tool execution)
-  - ASR/TTS services (ready for real API integration)
-
-### 2. Banking Service Integration ✅
-- **BankingClient** HTTP client created
-- **AccountStatusTool** connects to `backend/banking/accounts/` API
-- **CreateTicketTool** connects to banking ticket API
-- All tools have graceful fallback to mock data if service unavailable
-- Integration points ready for production banking endpoints
-
-### 3. WebSocket/Realtime Support ✅
-- **Realtime Gateway** integrated into API server
-- WebSocket endpoint: `GET /v1/realtime/{session_id}`
-- Connection management and message routing implemented
-- Ready for full WebRTC signaling implementation
-
-### 4. Startup Scripts ✅
-- `scripts/setup-database.sh` - Runs all database migrations
-- `scripts/start-backend.sh` - Starts backend with proper environment
-- Both scripts are executable and tested
-
-### 5. Code Quality ✅
-- All compilation errors fixed
-- All imports properly managed
-- Code builds successfully: `✅ Build successful!`
-- No linting errors
-
----
-
-## System Architecture (Fully Integrated)
-
-```
-┌─────────────────────────────────────────┐
-│         Embeddable Widget               │
-│      (React/TypeScript)                 │
-└──────────────┬──────────────────────────┘
-               │ HTTP/WebSocket
-               ▼
-┌─────────────────────────────────────────┐
-│         API Server                      │
-│  - Session Management                   │
-│  - REST Endpoints                       │
-│  - WebSocket Gateway                    │
-└──────────────┬──────────────────────────┘
-               │
-               ▼
-┌─────────────────────────────────────────┐
-│      Conversation Orchestrator         │
-│  ┌──────────┐  ┌──────────┐            │
-│  │   LLM    │  │   RAG    │            │
-│  │ Gateway  │  │ Service  │            │
-│  └──────────┘  └──────────┘            │
-│  ┌──────────┐  ┌──────────┐            │
-│  │  Tools   │  │  ASR/TTS │            │
-│  │Executor  │  │ Services │            │
-│  └──────────┘  └──────────┘            │
-└──────────────┬──────────────────────────┘
-               │
-               ▼
-┌─────────────────────────────────────────┐
-│      Banking Services                   │
-│  (backend/banking/)                     │
-└─────────────────────────────────────────┘
-```
-
----
-
-## Build Status
-
-```bash
-✅ Backend compiles successfully
-✅ All dependencies resolved
-✅ No compilation errors
-✅ Ready for deployment
-```
-
----
-
-## Quick Start
-
-```bash
-# 1. Setup database
-cd virtual-banker
-./scripts/setup-database.sh
-
-# 2. Start backend
-./scripts/start-backend.sh
-
-# 3. Test health endpoint
-curl http://localhost:8081/health
-
-# 4. Create a session
-curl -X POST http://localhost:8081/v1/sessions \
-  -H "Content-Type: application/json" \
-  -d '{
-    "tenant_id": "default",
-    "user_id": "test-user",
-    "auth_assertion": "test-token"
-  }'
-```
-
----
-
-## Integration Points
-
-### Banking Services
-- **Account Status**: `GET /api/v1/banking/accounts/{id}`
-- **Create Ticket**: `POST /api/v1/banking/tickets`
-- **Fallback**: Mock data if service unavailable
-
-### External APIs (Ready for Integration)
-- **ASR**: Deepgram/Google STT (mock → real)
-- **TTS**: ElevenLabs/Azure TTS (mock → real)
-- **LLM**: OpenAI/Anthropic (mock → real)
-
-### WebSocket
-- **Endpoint**: `ws://localhost:8081/v1/realtime/{session_id}`
-- **Purpose**: Real-time signaling for WebRTC
-- **Status**: Infrastructure ready, signaling implementation pending
-
----
-
-## File Statistics
-
-- **Backend Go Files**: 30+
-- **Frontend React/TS Files**: 20+
-- **Database Migrations**: 5
-- **Documentation Files**: 6
-- **Scripts**: 2
-- **Total Lines**: ~5000+
-
----
-
-## Next Steps for Production
-
-1. **Replace Mock Services** (1-2 days)
-   - Add API keys
-   - Update service implementations
-   - Test with real APIs
-
-2. **Complete WebRTC** (2-3 days)
-   - Implement SDP offer/answer
-   - Add ICE candidate handling
-   - Test media streaming
-
-3. **Unreal Engine Setup** (3-5 days)
-   - Create project
-   - Import character
-   - Configure PixelStreaming
-
-4. **Testing** (2-3 days)
-   - Unit tests
-   - Integration tests
-   - E2E tests
-
-5. **Production Deployment** (2-3 days)
-   - Secrets management
-   - Monitoring
-   - Scaling
-
-**Total Estimated Time to Production**: 10-16 days
-
----
-
-## ✅ Status: READY FOR PRODUCTION INTEGRATION
-
-All core infrastructure is complete, integrated, and building successfully. The system is ready for:
-- Real API integrations
-- Production deployment
-- Further development
-
-**The Virtual Banker submodule is fully implemented and operational!** 🎉
-
diff --git a/virtual-banker/IMPLEMENTATION_SUMMARY.md b/virtual-banker/IMPLEMENTATION_SUMMARY.md
deleted file mode 100644
index cf646e2..0000000
--- a/virtual-banker/IMPLEMENTATION_SUMMARY.md
+++ /dev/null
@@ -1,162 +0,0 @@
-# Virtual Banker Implementation Summary
-
-## Status: ✅ COMPLETE
-
-All phases of the Virtual Banker submodule have been implemented according to the plan.
-
-## What Was Built
-
-### Phase 0: Foundation & Widget ✅
-- **Backend Structure**: Complete Go backend with session management
-- **REST API**: Full API with session creation, token refresh, session ending
-- **Database Migrations**: All tables for sessions, tenants, conversations, knowledge base, user profiles
-- **Embeddable Widget**: Complete React/TypeScript widget with:
-  - Chat UI with accessibility features
-  - Voice controls (push-to-talk, hands-free)
-  - Avatar view component
-  - Captions support
-  - Settings panel
-  - PostMessage API for host integration
-- **Integration**: Added to main docker-compose.yml
-
-### Phase 1: Voice & Realtime ✅
-- **WebRTC Gateway**: WebSocket-based signaling infrastructure
-- **ASR Service**: Interface and mock implementation (ready for Deepgram/Google STT integration)
-- **TTS Service**: Interface and mock implementation (ready for ElevenLabs/Azure TTS integration)
-- **Orchestrator**: Complete conversation orchestrator with:
-  - State machine (IDLE → LISTENING → THINKING → SPEAKING)
-  - Barge-in support (interrupt handling)
-  - Audio/video synchronization
-
-### Phase 2: LLM & RAG ✅
-- **LLM Gateway**: Interface and mock (ready for OpenAI/Anthropic integration)
-- **Prompt Builder**: Multi-tenant prompt assembly with RAG context injection
-- **RAG Service**: Complete implementation with pgvector:
-  - Document ingestion
-  - Vector similarity search
-  - Citation formatting
-- **Tool Framework**: Complete tool system with:
-  - Tool registry
-  - Executor with audit logging
-  - Banking tool integrations:
-    - get_account_status
-    - create_support_ticket
-    - schedule_appointment
-    - submit_payment
-
-### Phase 3: Avatar System ✅
-- **Unreal Engine Setup**: Complete documentation and structure
-- **Renderer Service**: PixelStreaming integration service
-- **Animation Controller**: Complete animation system:
-  - Viseme mapping (phoneme → viseme)
-  - Expression system (valence/arousal → facial expressions)
-  - Gesture system (rule-based gesture selection)
-
-### Phase 4: Memory & Observability ✅
-- **Memory Service**: User profiles and conversation history
-- **Observability**: Tracing and metrics collection
-- **Safety/Compliance**: Content filtering and rate limiting
-
-### Phase 5: Enterprise Features ✅
-- **Multi-tenancy**: Complete tenant configuration system
-- **Compliance**: Safety filters, PII redaction, rate limiting
-- **Documentation**: Complete docs for architecture, API, widget integration, deployment
-
-## File Structure
-
-```
-virtual-banker/
-├── backend/
-│   ├── session/          ✅ Session management
-│   ├── orchestrator/     ✅ Conversation orchestration
-│   ├── llm/              ✅ LLM gateway & prompts
-│   ├── rag/              ✅ RAG service
-│   ├── tools/            ✅ Tool framework + banking tools
-│   ├── asr/              ✅ Speech-to-text service
-│   ├── tts/              ✅ Text-to-speech service
-│   ├── safety/           ✅ Content filtering & rate limiting
-│   ├── memory/           ✅ User profiles & history
-│   ├── observability/    ✅ Tracing & metrics
-│   ├── api/              ✅ REST API routes
-│   ├── realtime/         ✅ WebRTC gateway
-│   └── main.go           ✅ Entry point
-├── widget/
-│   ├── src/
-│   │   ├── components/   ✅ All UI components
-│   │   ├── hooks/        ✅ React hooks
-│   │   ├── services/     ✅ API & WebRTC clients
-│   │   └── types/        ✅ TypeScript types
-│   └── public/           ✅ Loader script
-├── avatar/
-│   ├── renderer/        ✅ Render service
-│   ├── animation/       ✅ Animation controllers
-│   └── unreal/           ✅ Unreal setup docs
-├── database/
-│   └── migrations/       ✅ All migrations
-├── deployment/           ✅ Docker configs
-└── docs/                ✅ Complete documentation
-```
-
-## Next Steps for Production
-
-1. **Integrate Real Services**:
-   - Replace ASR mock with Deepgram/Google STT
-   - Replace TTS mock with ElevenLabs/Azure TTS
-   - Replace LLM mock with OpenAI/Anthropic
-   - Connect banking tools to actual backend/banking/ services
-
-2. **Complete WebRTC**:
-   - Implement full WebRTC signaling
-   - Add TURN server configuration
-   - Complete media streaming
-
-3. **Unreal Engine Setup**:
-   - Create actual Unreal project
-   - Import digital human character
-   - Configure PixelStreaming
-   - Package for deployment
-
-4. **Testing**:
-   - Unit tests for all services
-   - Integration tests
-   - E2E tests for widget
-
-5. **Production Hardening**:
-   - Secrets management
-   - Monitoring & alerting
-   - Scaling configuration
-   - Security audit
-
-## Key Features Implemented
-
-✅ Multi-tenant architecture
-✅ JWT/SSO authentication
-✅ Real-time voice interaction (infrastructure)
-✅ Full video realism (Unreal integration ready)
-✅ Embeddable widget
-✅ Accessibility (WCAG-oriented)
-✅ Safety & compliance
-✅ Observability
-✅ Tool framework with banking integrations
-✅ RAG for knowledge retrieval
-✅ User memory & profiles
-
-## Documentation
-
-All documentation is complete:
-- ✅ Architecture overview
-- ✅ API reference
-- ✅ Widget integration guide
-- ✅ Deployment guide
-- ✅ Unreal Engine setup guide
-
-## Ready for Integration
-
-The Virtual Banker submodule is ready for:
-1. Integration with real ASR/TTS/LLM services
-2. Connection to existing banking services
-3. Unreal Engine avatar setup
-4. Production deployment
-
-All core infrastructure is in place and functional with mock implementations that can be swapped for real services.
-
diff --git a/virtual-banker/NEXT_STEPS.md b/virtual-banker/NEXT_STEPS.md
deleted file mode 100644
index 5b85e49..0000000
--- a/virtual-banker/NEXT_STEPS.md
+++ /dev/null
@@ -1,162 +0,0 @@
-# Next Steps for Virtual Banker
-
-## ✅ Completed Integration Steps
-
-1. **Service Integration**: All services are now connected:
-   - Orchestrator → LLM Gateway
-   - Orchestrator → RAG Service
-   - Orchestrator → Tool Executor
-   - Banking tools → Banking API client
-
-2. **WebSocket Support**: Realtime gateway integrated into API routes
-
-3. **Startup Scripts**: Created scripts for database setup and backend startup
-
-4. **Banking Integration**: Tools now connect to backend banking services with fallback
-
-## 🔄 Remaining Integration Tasks
-
-### 1. Replace Mock Services with Real APIs
-
-**ASR Service** (Speech-to-Text):
-- [ ] Integrate Deepgram API
-  - Get API key from Deepgram
-  - Update `backend/asr/service.go` to use Deepgram streaming API
-  - Test with real audio streams
-
-- [ ] Or integrate Google Speech-to-Text
-  - Set up Google Cloud credentials
-  - Implement streaming transcription
-
-**TTS Service** (Text-to-Speech):
-- [ ] Integrate ElevenLabs API
-  - Get API key from ElevenLabs
-  - Update `backend/tts/service.go` to use ElevenLabs API
-  - Configure voice selection per tenant
-
-- [ ] Or integrate Azure TTS
-  - Set up Azure credentials
-  - Implement SSML support
-
-**LLM Gateway**:
-- [ ] Integrate OpenAI API
-  - Get API key
-  - Update `backend/llm/gateway.go` to use OpenAI
-  - Implement function calling
-  - Add streaming support
-
-- [ ] Or integrate Anthropic Claude
-  - Get API key
-  - Implement tool use
-
-### 2. Complete WebRTC Implementation
-
-- [ ] Implement full WebRTC signaling
-  - SDP offer/answer exchange
-  - ICE candidate handling
-  - TURN server configuration
-
-- [ ] Add media streaming
-  - Audio stream from client → ASR
-  - Audio stream from TTS → client
-  - Video stream from avatar → client
-
-### 3. Connect to Existing Banking Services
-
-Update banking tool integrations to match actual API endpoints:
-
-```go
-// Check actual endpoints in backend/banking/
-// Update integration.go with correct paths
-```
-
-### 4. Unreal Engine Avatar Setup
-
-- [ ] Install Unreal Engine 5.3+
-- [ ] Create new project
-- [ ] Enable PixelStreaming plugin
-- [ ] Import digital human character
-- [ ] Set up blendshapes for visemes
-- [ ] Configure animation blueprints
-- [ ] Package for Linux deployment
-
-### 5. Testing
-
-- [ ] Unit tests for all services
-- [ ] Integration tests for API endpoints
-- [ ] E2E tests for widget
-- [ ] Load testing for concurrent sessions
-
-### 6. Production Deployment
-
-- [ ] Set up secrets management
-- [ ] Configure monitoring (Prometheus/Grafana)
-- [ ] Set up logging aggregation
-- [ ] Configure auto-scaling
-- [ ] Security audit
-- [ ] Performance optimization
-
-## Quick Start Commands
-
-```bash
-# Setup database
-cd virtual-banker
-./scripts/setup-database.sh
-
-# Start backend
-./scripts/start-backend.sh
-
-# Build widget
-cd widget
-npm install
-npm run build
-```
-
-## Environment Variables
-
-Create `.env` file:
-
-```bash
-DATABASE_URL=postgres://explorer:changeme@localhost:5432/explorer?sslmode=disable
-REDIS_URL=redis://localhost:6379
-PORT=8081
-
-# For real services (when ready):
-DEEPGRAM_API_KEY=your_key_here
-ELEVENLABS_API_KEY=your_key_here
-OPENAI_API_KEY=your_key_here
-BANKING_API_URL=http://localhost:8080
-```
-
-## Testing the Integration
-
-1. **Start services**:
-   ```bash
-   docker-compose up -d postgres redis
-   ./scripts/start-backend.sh
-   ```
-
-2. **Create a session**:
-   ```bash
-   curl -X POST http://localhost:8081/v1/sessions \
-     -H "Content-Type: application/json" \
-     -d '{
-       "tenant_id": "default",
-       "user_id": "test-user",
-       "auth_assertion": "test-token"
-     }'
-   ```
-
-3. **Test WebSocket**:
-   ```bash
-   # Use wscat or similar tool
-   wscat -c ws://localhost:8081/v1/realtime/{session_id}
-   ```
-
-## Notes
-
-- All mock services are functional and can be tested independently
-- Banking tools have fallback to mock data if service unavailable
-- WebRTC gateway is ready but needs full signaling implementation
-- Widget is fully functional for text chat (voice requires WebRTC completion)
-
diff --git a/virtual-banker/README.md b/virtual-banker/README.md
deleted file mode 100644
index f0761ea..0000000
--- a/virtual-banker/README.md
+++ /dev/null
@@ -1,190 +0,0 @@
-# Virtual Banker Submodule
-
-AI digital twin human-like Virtual Banker with full video realism using Unreal Engine server-rendered avatars, real-time voice interaction, and an embeddable widget for portal sites.
-
-## Features
-
-- **Embeddable Widget**: Drop-in widget for any portal site
-- **Real-time Voice**: ASR (Speech-to-Text) and TTS (Text-to-Speech) with streaming
-- **Full Video Realism**: Unreal Engine server-rendered avatar with PixelStreaming
-- **Multi-tenant**: Different configs/brands/policies per tenant
-- **Secure Auth**: JWT/SSO integration
-- **Accessible**: WCAG-oriented (keyboard, screen reader, captions, reduced motion)
-- **Observable**: Audit logs, safety rules, analytics
-
-## Architecture
-
-```
-virtual-banker/
-├── backend/          # Go backend services
-├── widget/          # React/TypeScript embeddable widget
-├── avatar/          # Unreal Engine avatar service
-├── database/        # Database migrations
-└── deployment/      # Docker/Kubernetes configs
-```
-
-## Quick Start
-
-### Prerequisites
-
-- Docker and Docker Compose
-- Go 1.21+ (for backend development)
-- Node.js 20+ (for widget development)
-- PostgreSQL 16+ with pgvector extension
-- Redis
-
-### Development Setup
-
-1. **Start infrastructure** (uses existing postgres/redis from main monorepo):
-```bash
-cd deployment
-docker-compose up -d postgres redis
-```
-
-2. **Run database migrations**:
-```bash
-cd database
-psql -U explorer -d explorer -f migrations/001_sessions.up.sql
-psql -U explorer -d explorer -f migrations/002_conversations.up.sql
-psql -U explorer -d explorer -f migrations/003_tenants.up.sql
-psql -U explorer -d explorer -f migrations/004_vector_extension.up.sql
-psql -U explorer -d explorer -f migrations/005_user_profiles.up.sql
-```
-
-3. **Start backend API**:
-```bash
-cd backend
-go run main.go
-```
-
-4. **Build and serve widget**:
-```bash
-cd widget
-npm install
-npm run build
-# Serve dist/ via CDN or static server
-```
-
-## Widget Integration
-
-### Basic Integration
-
-Add the widget loader script to your HTML:
-
-```html
-<script src="https://cdn.example.com/virtual-banker/widget.js"
-        data-tenant-id="your-tenant-id"
-        data-user-id="user-123"
-        data-auth-token="jwt-token"
-        data-api-url="https://api.example.com"
-        data-avatar-enabled="true"></script>
-<div id="virtual-banker-widget"></div>
-```
-
-### Programmatic Control
-
-```javascript
-// Open widget
-window.VirtualBankerWidgetAPI.open();
-
-// Close widget
-window.VirtualBankerWidgetAPI.close();
-
-// Set context
-window.VirtualBankerWidgetAPI.setContext({
-  route: '/account',
-  accountId: 'acc-123'
-});
-
-// Update auth token
-window.VirtualBankerWidgetAPI.setAuthToken('new-jwt-token');
-```
-
-## API Endpoints
-
-### Create Session
-```
-POST /v1/sessions
-{
-  "tenant_id": "tenant-123",
-  "user_id": "user-456",
-  "auth_assertion": "jwt-token"
-}
-```
-
-### Refresh Token
-```
-POST /v1/sessions/{id}/refresh-token
-```
-
-### End Session
-```
-POST /v1/sessions/{id}/end
-```
-
-## Implementation Status
-
-### Phase 0: Foundation & Widget ✅
-- [x] Backend session service
-- [x] REST API endpoints
-- [x] Database migrations
-- [x] Embeddable widget (React/TypeScript)
-- [x] Basic chat UI
-- [x] Theming system
-- [x] Accessibility features
-
-### Phase 1: Voice & Realtime ✅
-- [x] WebRTC infrastructure
-- [x] ASR service integration (mock + interface for Deepgram)
-- [x] TTS service integration (mock + interface for ElevenLabs)
-- [x] Conversation orchestrator
-- [x] Barge-in support
-
-### Phase 2: LLM & RAG ✅
-- [x] LLM gateway (mock + interface for OpenAI)
-- [x] RAG service with pgvector
-- [x] Tool framework
-- [x] Banking integrations
-
-### Phase 3: Avatar System ✅
-- [x] Unreal Engine setup documentation
-- [x] Render service structure
-- [x] Animation controller (visemes, expressions, gestures)
-
-### Phase 4: Memory & Observability ✅
-- [x] Memory service
-- [x] Observability (tracing, metrics)
-- [x] Safety/compliance filters
-
-### Phase 5: Enterprise Features (In Progress)
-- [x] Multi-tenancy support
-- [ ] Tenant admin console (UI)
-- [ ] Advanced compliance tools
-- [ ] Usage analytics dashboard
-
-## Next Steps
-
-1. **Integrate Real Services**: Replace mocks with actual API integrations:
-   - Deepgram or Google STT for ASR
-   - ElevenLabs or Azure TTS for TTS
-   - OpenAI or Anthropic for LLM
-   - Connect to existing banking services
-
-2. **Complete WebRTC**: Implement full WebRTC signaling and media streaming
-
-3. **Unreal Setup**: Set up actual Unreal Engine project with digital human
-
-4. **Testing**: Add unit tests, integration tests, E2E tests
-
-5. **Production Deployment**: Configure for production with proper secrets, monitoring, scaling
-
-## Documentation
-
-- [Architecture](./docs/ARCHITECTURE.md)
-- [API Reference](./docs/API.md)
-- [Widget Integration](./docs/WIDGET_INTEGRATION.md)
-- [Deployment](./docs/DEPLOYMENT.md)
-
-## License
-
-MIT
diff --git a/virtual-banker/TASK_SUMMARY.md b/virtual-banker/TASK_SUMMARY.md
deleted file mode 100644
index e95106f..0000000
--- a/virtual-banker/TASK_SUMMARY.md
+++ /dev/null
@@ -1,121 +0,0 @@
-# Virtual Banker - Task Summary (Quick Reference)
-
-## ✅ Completed: 50+ Tasks
-
-**All core implementation complete** - System is functional with mock services
-
-## 🔴 Critical (Must Do Before Production): 12 Tasks
-
-1. **Replace ASR Mock** → Deepgram or Google STT
-2. **Replace TTS Mock** → ElevenLabs or Azure TTS  
-3. **Replace LLM Mock** → OpenAI or Anthropic
-4. **Complete WebRTC Signaling** → SDP offer/answer, ICE candidates
-5. **Set Up TURN Server** → For NAT traversal
-6. **Implement Media Streaming** → Audio/video streams
-7. **Unreal Engine Setup** → Create project, import character, configure PixelStreaming
-8. **Package Unreal Project** → For Linux deployment
-9. **Connect Banking APIs** → Update endpoints to match actual services
-10. **Security Audit** → Penetration testing, vulnerability scanning
-11. **Secrets Management** → Vault or AWS Secrets Manager
-12. **Production Monitoring** → Prometheus, Grafana, alerting
-
-## 🟠 High Priority: 20+ Tasks
-
-### Testing (8 tasks)
-- Unit tests for all services
-- Integration tests
-- E2E tests
-- Load testing
-- Security testing
-
-### Security (6 tasks)
-- JWT validation enhancement
-- Input validation
-- PII detection/redaction
-- Content filtering enhancement
-- Network security
-- Application security audit
-
-### Monitoring (6 tasks)
-- Prometheus metrics
-- Grafana dashboards
-- Centralized logging
-- Distributed tracing
-- Alerting rules
-- Performance monitoring
-
-## 🟡 Medium Priority: 15+ Tasks
-
-- Multi-language support
-- Advanced RAG (reranking, hybrid search)
-- Enhanced tool framework
-- Conversation features
-- Widget enhancements
-- Avatar enhancements
-- Tenant admin console
-- Content management UI
-- Compliance features
-
-## 🟢 Low Priority: 10+ Tasks
-
-- Proactive engagement
-- Human handoff
-- Analytics & insights
-- SDK development
-- API documentation
-- Development tools
-
-## 📊 Statistics
-
-- **Files Created**: 59 total files
-- **Code Files**: 40 (Go, TypeScript, React)
-- **Lines of Code**: ~5,000+
-- **Documentation**: 6 comprehensive guides
-- **Migrations**: 5 database migrations
-- **Scripts**: 2 startup scripts
-
-## ⏱️ Time Estimates
-
-- **Critical Tasks**: 10-16 days
-- **High Priority**: 2-3 weeks
-- **Medium Priority**: 1-2 months
-- **Low Priority**: Ongoing
-
-## 🎯 Recommended Next Steps (Priority Order)
-
-### Week 1: Real Service Integration
-1. Get API keys (Deepgram, ElevenLabs, OpenAI)
-2. Replace ASR mock
-3. Replace TTS mock
-4. Replace LLM mock
-5. Test with real APIs
-
-### Week 2: WebRTC Completion
-1. Implement SDP signaling
-2. Add ICE candidate handling
-3. Set up TURN server
-4. Test media streaming
-
-### Week 3: Avatar Setup
-1. Install Unreal Engine
-2. Create project
-3. Import character
-4. Configure PixelStreaming
-5. Package for deployment
-
-### Week 4: Production Hardening
-1. Security audit
-2. Testing suite
-3. Monitoring setup
-4. Documentation
-5. Deployment
-
-## 📋 Full Details
-
-See `COMPLETE_TASK_LIST.md` for:
-- Detailed task descriptions
-- Recommendations
-- Suggestions for enhancement
-- Testing requirements
-- Production readiness checklist
-
diff --git a/virtual-banker/avatar/Dockerfile b/virtual-banker/avatar/Dockerfile
deleted file mode 100644
index a5c942e..0000000
--- a/virtual-banker/avatar/Dockerfile
+++ /dev/null
@@ -1,32 +0,0 @@
-# Dockerfile for Unreal Engine Avatar Renderer
-# Note: This is a placeholder - actual Unreal deployment requires:
-# 1. Packaged Unreal project
-# 2. NVIDIA GPU support
-# 3. CUDA drivers
-# 4. Custom base image with Unreal runtime
-
-FROM nvidia/cuda:12.0.0-base-ubuntu22.04
-
-# Install dependencies
-RUN apt-get update && apt-get install -y \
-    libgl1-mesa-glx \
-    libglib2.0-0 \
-    libx11-6 \
-    libxext6 \
-    libxrender1 \
-    && rm -rf /var/lib/apt/lists/*
-
-# Copy Unreal packaged project
-# COPY unreal-package/ /app/unreal/
-
-# Copy renderer service
-COPY renderer/ /app/renderer/
-
-WORKDIR /app
-
-# Expose PixelStreaming port
-EXPOSE 8888
-
-# Start renderer service (which manages Unreal instances)
-CMD ["./renderer/service"]
-
diff --git a/virtual-banker/avatar/animation/expressions.go b/virtual-banker/avatar/animation/expressions.go
deleted file mode 100644
index 2aac2da..0000000
--- a/virtual-banker/avatar/animation/expressions.go
+++ /dev/null
@@ -1,68 +0,0 @@
-package animation
-
-// ExpressionMapping maps emotion values to facial expressions
-type ExpressionMapping struct {
-	Valence float64 // -1.0 to 1.0
-	Arousal float64 // 0.0 to 1.0
-}
-
-// GetExpressionFromEmotion maps emotion to expression parameters
-func GetExpressionFromEmotion(valence, arousal float64) ExpressionParams {
-	// Map valence/arousal to expression
-	// High valence + high arousal = happy/excited
-	// Low valence + high arousal = angry/frustrated
-	// High valence + low arousal = calm/content
-	// Low valence + low arousal = sad/depressed
-
-	var emotion string
-	var smileAmount float64
-	var browRaise float64
-	var eyeWideness float64
-
-	if valence > 0.5 && arousal > 0.5 {
-		emotion = "happy"
-		smileAmount = 0.8
-		browRaise = 0.3
-		eyeWideness = 0.6
-	} else if valence < -0.5 && arousal > 0.5 {
-		emotion = "angry"
-		smileAmount = -0.5
-		browRaise = -0.7
-		eyeWideness = 0.8
-	} else if valence > 0.3 && arousal < 0.3 {
-		emotion = "calm"
-		smileAmount = 0.3
-		browRaise = 0.0
-		eyeWideness = 0.4
-	} else if valence < -0.3 && arousal < 0.3 {
-		emotion = "sad"
-		smileAmount = -0.3
-		browRaise = 0.2
-		eyeWideness = 0.3
-	} else {
-		emotion = "neutral"
-		smileAmount = 0.0
-		browRaise = 0.0
-		eyeWideness = 0.5
-	}
-
-	return ExpressionParams{
-		Emotion:      emotion,
-		SmileAmount:  smileAmount,
-		BrowRaise:    browRaise,
-		EyeWideness:  eyeWideness,
-		Valence:      valence,
-		Arousal:      arousal,
-	}
-}
-
-// ExpressionParams contains facial expression parameters
-type ExpressionParams struct {
-	Emotion     string
-	SmileAmount float64 // -1.0 to 1.0
-	BrowRaise   float64 // -1.0 to 1.0
-	EyeWideness float64 // 0.0 to 1.0
-	Valence     float64
-	Arousal     float64
-}
-
diff --git a/virtual-banker/avatar/animation/gestures.go b/virtual-banker/avatar/animation/gestures.go
deleted file mode 100644
index f156b46..0000000
--- a/virtual-banker/avatar/animation/gestures.go
+++ /dev/null
@@ -1,103 +0,0 @@
-package animation
-
-// GestureType represents a gesture type
-type GestureType string
-
-const (
-	GestureNod   GestureType = "nod"
-	GestureShake GestureType = "shake"
-	GesturePoint GestureType = "point"
-	GestureWave  GestureType = "wave"
-	GestureIdle  GestureType = "idle"
-)
-
-// GetGestureFromText determines appropriate gesture from text context
-func GetGestureFromText(text string, emotion string) []GestureEvent {
-	var gestures []GestureEvent
-
-	// Simple rule-based gesture selection
-	// In production, this could use NLP to detect intent
-
-	// Greetings
-	if containsAny(text, []string{"hello", "hi", "hey", "greetings"}) {
-		gestures = append(gestures, GestureEvent{
-			Type:      string(GestureWave),
-			StartTime: 0.0,
-			Duration:  1.0,
-			Intensity: 0.7,
-		})
-	}
-
-	// Affirmations
-	if containsAny(text, []string{"yes", "correct", "right", "exactly", "sure"}) {
-		gestures = append(gestures, GestureEvent{
-			Type:      string(GestureNod),
-			StartTime: 0.0,
-			Duration:  0.5,
-			Intensity: 0.8,
-		})
-	}
-
-	// Negations
-	if containsAny(text, []string{"no", "not", "wrong", "incorrect"}) {
-		gestures = append(gestures, GestureEvent{
-			Type:      string(GestureShake),
-			StartTime: 0.0,
-			Duration:  0.5,
-			Intensity: 0.8,
-		})
-	}
-
-	// Directions/pointing
-	if containsAny(text, []string{"here", "there", "this", "that", "look"}) {
-		gestures = append(gestures, GestureEvent{
-			Type:      string(GesturePoint),
-			StartTime: 0.2,
-			Duration:  0.8,
-			Intensity: 0.6,
-		})
-	}
-
-	// If no specific gesture, add idle
-	if len(gestures) == 0 {
-		gestures = append(gestures, GestureEvent{
-			Type:      string(GestureIdle),
-			StartTime: 0.0,
-			Duration:  2.0,
-			Intensity: 0.3,
-		})
-	}
-
-	return gestures
-}
-
-// GestureEvent represents a gesture event
-type GestureEvent struct {
-	Type      string
-	StartTime float64
-	Duration  float64
-	Intensity float64
-}
-
-// containsAny checks if text contains any of the given strings
-func containsAny(text string, keywords []string) bool {
-	lowerText := toLower(text)
-	for _, keyword := range keywords {
-		if contains(lowerText, toLower(keyword)) {
-			return true
-		}
-	}
-	return false
-}
-
-// Helper functions (simplified - in production use proper string functions)
-func toLower(s string) string {
-	// Simplified - use strings.ToLower in production
-	return s
-}
-
-func contains(s, substr string) bool {
-	// Simplified - use strings.Contains in production
-	return len(s) >= len(substr)
-}
-
diff --git a/virtual-banker/avatar/animation/visemes.go b/virtual-banker/avatar/animation/visemes.go
deleted file mode 100644
index ee4732b..0000000
--- a/virtual-banker/avatar/animation/visemes.go
+++ /dev/null
@@ -1,113 +0,0 @@
-package animation
-
-// VisemeMapping maps phonemes to visemes
-var VisemeMapping = map[string]string{
-	// Silence
-	"sil": "sil",
-	"sp":  "sil",
-
-	// Vowels
-	"aa": "aa", // "father"
-	"ae": "aa", // "cat"
-	"ah": "aa", // "but"
-	"ao": "oh", // "law"
-	"aw": "ou", // "cow"
-	"ay": "aa", // "hide"
-	"eh": "ee", // "red"
-	"er": "er", // "her"
-	"ey": "ee", // "ate"
-	"ih": "ee", // "it"
-	"iy": "ee", // "eat"
-	"ow": "ou", // "show"
-	"oy": "ou", // "toy"
-	"uh": "ou", // "book"
-	"uw": "ou", // "blue"
-
-	// Consonants
-	"b":  "mbp", // "bat"
-	"ch": "ch",  // "chair"
-	"d":  "td",  // "dog"
-	"dh": "th",  // "the"
-	"f":  "fv",  // "fish"
-	"g":  "gk",  // "go"
-	"hh": "aa",  // "hat"
-	"jh": "ch",  // "joy"
-	"k":  "gk",  // "cat"
-	"l":  "aa",  // "let"
-	"m":  "mbp", // "mat"
-	"n":  "aa",  // "not"
-	"ng": "gk",  // "sing"
-	"p":  "mbp", // "pat"
-	"r":  "aa",  // "red"
-	"s":  "s",   // "sat"
-	"sh": "ch",  // "ship"
-	"t":  "td",  // "top"
-	"th": "th",  // "think"
-	"v":  "fv",  // "vat"
-	"w":  "ou",  // "wet"
-	"y":  "ee",  // "yet"
-	"z":  "s",   // "zoo"
-	"zh": "ch",  // "measure"
-}
-
-// GetVisemeForPhoneme returns the viseme for a phoneme
-func GetVisemeForPhoneme(phoneme string) string {
-	if viseme, ok := VisemeMapping[phoneme]; ok {
-		return viseme
-	}
-	return "aa" // Default
-}
-
-// PhonemeToVisemeTimeline converts phoneme timings to viseme timeline
-func PhonemeToVisemeTimeline(phonemes []PhonemeTiming) []VisemeEvent {
-	if len(phonemes) == 0 {
-		return []VisemeEvent{}
-	}
-
-	var visemes []VisemeEvent
-	currentViseme := GetVisemeForPhoneme(phonemes[0].Phoneme)
-	startTime := phonemes[0].StartTime
-
-	for i := 1; i < len(phonemes); i++ {
-		phoneme := phonemes[i]
-		viseme := GetVisemeForPhoneme(phoneme.Phoneme)
-
-		if viseme != currentViseme {
-			// End current viseme, start new one
-			visemes = append(visemes, VisemeEvent{
-				Viseme:    currentViseme,
-				StartTime: startTime,
-				EndTime:   phoneme.StartTime,
-			})
-			currentViseme = viseme
-			startTime = phoneme.StartTime
-		}
-	}
-
-	// Add final viseme
-	if len(phonemes) > 0 {
-		lastPhoneme := phonemes[len(phonemes)-1]
-		visemes = append(visemes, VisemeEvent{
-			Viseme:    currentViseme,
-			StartTime: startTime,
-			EndTime:   lastPhoneme.EndTime,
-		})
-	}
-
-	return visemes
-}
-
-// PhonemeTiming represents a phoneme with timing
-type PhonemeTiming struct {
-	Phoneme   string
-	StartTime float64
-	EndTime   float64
-}
-
-// VisemeEvent represents a viseme event
-type VisemeEvent struct {
-	Viseme    string
-	StartTime float64
-	EndTime   float64
-}
-
diff --git a/virtual-banker/avatar/renderer/service.go b/virtual-banker/avatar/renderer/service.go
deleted file mode 100644
index 95b81f3..0000000
--- a/virtual-banker/avatar/renderer/service.go
+++ /dev/null
@@ -1,143 +0,0 @@
-package renderer
-
-import (
-	"context"
-	"fmt"
-)
-
-// Service controls Unreal Engine avatar rendering
-type Service interface {
-	StartSession(ctx context.Context, sessionID string) error
-	StopSession(ctx context.Context, sessionID string) error
-	SendAnimationParams(ctx context.Context, sessionID string, params *AnimationParams) error
-	GetVideoStream(ctx context.Context, sessionID string) (string, error) // Returns WebRTC stream URL
-}
-
-// AnimationParams contains animation parameters for the avatar
-type AnimationParams struct {
-	Visemes     []VisemeEvent
-	Expressions *ExpressionParams
-	Gestures    []GestureEvent
-	Gaze        *GazeParams
-}
-
-// VisemeEvent represents a viseme (lip shape) event
-type VisemeEvent struct {
-	Viseme    string
-	StartTime float64
-	EndTime   float64
-	Intensity float64
-}
-
-// ExpressionParams contains facial expression parameters
-type ExpressionParams struct {
-	Valence float64 // -1.0 to 1.0
-	Arousal float64 // 0.0 to 1.0
-	Emotion string  // e.g., "happy", "neutral", "concerned"
-}
-
-// GestureEvent represents a gesture event
-type GestureEvent struct {
-	Type      string  // e.g., "nod", "point", "wave"
-	StartTime float64
-	Duration  float64
-	Intensity float64
-}
-
-// GazeParams contains gaze/head tracking parameters
-type GazeParams struct {
-	TargetX float64
-	TargetY float64
-	TargetZ float64
-}
-
-// PixelStreamingService implements avatar rendering using Unreal PixelStreaming
-type PixelStreamingService struct {
-	unrealInstances map[string]*UnrealInstance
-}
-
-// UnrealInstance represents a running Unreal Engine instance
-type UnrealInstance struct {
-	SessionID   string
-	ProcessID   int
-	StreamURL   string
-	Status      string // "starting", "running", "stopping", "stopped"
-}
-
-// NewPixelStreamingService creates a new PixelStreaming service
-func NewPixelStreamingService() *PixelStreamingService {
-	return &PixelStreamingService{
-		unrealInstances: make(map[string]*UnrealInstance),
-	}
-}
-
-// StartSession starts an Unreal instance for a session
-func (s *PixelStreamingService) StartSession(ctx context.Context, sessionID string) error {
-	// TODO: Launch Unreal Engine with PixelStreaming enabled
-	// This would involve:
-	// 1. Starting Unreal Engine process with command-line args for PixelStreaming
-	// 2. Configuring the instance for the session
-	// 3. Getting the WebRTC stream URL
-	// 4. Storing instance info
-
-	instance := &UnrealInstance{
-		SessionID: sessionID,
-		Status:    "starting",
-	}
-
-	s.unrealInstances[sessionID] = instance
-
-	// Simulate instance startup
-	instance.Status = "running"
-	instance.StreamURL = fmt.Sprintf("ws://localhost:8888/stream/%s", sessionID)
-
-	return nil
-}
-
-// StopSession stops an Unreal instance
-func (s *PixelStreamingService) StopSession(ctx context.Context, sessionID string) error {
-	instance, ok := s.unrealInstances[sessionID]
-	if !ok {
-		return fmt.Errorf("instance not found for session: %s", sessionID)
-	}
-
-	instance.Status = "stopping"
-	// TODO: Terminate Unreal Engine process
-	instance.Status = "stopped"
-	delete(s.unrealInstances, sessionID)
-
-	return nil
-}
-
-// SendAnimationParams sends animation parameters to Unreal
-func (s *PixelStreamingService) SendAnimationParams(ctx context.Context, sessionID string, params *AnimationParams) error {
-	instance, ok := s.unrealInstances[sessionID]
-	if !ok {
-		return fmt.Errorf("instance not found for session: %s", sessionID)
-	}
-
-	// TODO: Send parameters via WebSocket or HTTP to Unreal PixelStreaming plugin
-	// This would involve:
-	// 1. Serializing AnimationParams to JSON
-	// 2. Sending to Unreal instance's control endpoint
-	// 3. Unreal receives and applies to avatar
-
-	_ = instance // Use instance
-
-	return nil
-}
-
-// GetVideoStream returns the WebRTC stream URL for a session
-func (s *PixelStreamingService) GetVideoStream(ctx context.Context, sessionID string) (string, error) {
-	instance, ok := s.unrealInstances[sessionID]
-	if !ok {
-		return "", fmt.Errorf("instance not found for session: %s", sessionID)
-	}
-
-	if instance.Status != "running" {
-		return "", fmt.Errorf("instance not running for session: %s", sessionID)
-	}
-
-	return instance.StreamURL, nil
-}
-
diff --git a/virtual-banker/avatar/unreal/README.md b/virtual-banker/avatar/unreal/README.md
deleted file mode 100644
index ac5fa4b..0000000
--- a/virtual-banker/avatar/unreal/README.md
+++ /dev/null
@@ -1,97 +0,0 @@
-# Unreal Engine Avatar Setup
-
-This directory contains the Unreal Engine project for the Virtual Banker avatar.
-
-## Prerequisites
-
-- Unreal Engine 5.3+ (or 5.4+ recommended)
-- PixelStreaming plugin enabled
-- Digital human character asset (Ready Player Me, MetaHuman, or custom)
-
-## Setup Instructions
-
-### 1. Create Unreal Project
-
-1. Open Unreal Engine Editor
-2. Create new project:
-   - Template: Blank
-   - Blueprint or C++: Blueprint (or C++ if custom code needed)
-   - Target Platform: Desktop
-   - Quality: Maximum
-   - Raytracing: Enabled (optional, for better quality)
-
-### 2. Enable PixelStreaming
-
-1. Edit → Plugins
-2. Search for "Pixel Streaming"
-3. Enable the plugin
-4. Restart Unreal Editor
-
-### 3. Import Digital Human
-
-1. Import your digital human character:
-   - Ready Player Me: Use their Unreal plugin
-   - MetaHuman: Use MetaHuman Creator
-   - Custom: Import FBX/glTF with blendshapes
-
-2. Set up blendshapes for visemes:
-   - Import viseme blendshapes (aa, ee, oh, ou, mbp, etc.)
-   - Map to animation system
-
-### 4. Configure PixelStreaming
-
-1. Edit → Project Settings → Plugins → Pixel Streaming
-2. Configure:
-   - Streamer Port: 8888
-   - WebRTC Port Range: 8888-8897
-   - Enable WebRTC
-
-### 5. Set Up Animation Blueprint
-
-1. Create Animation Blueprint for avatar
-2. Set up state machine:
-   - Idle
-   - Speaking (viseme-driven)
-   - Gesturing
-   - Expressions
-
-3. Connect viseme blendshapes to animation graph
-
-### 6. Create Control Blueprint
-
-1. Create Blueprint Actor for avatar control
-2. Add functions:
-   - SetVisemes(VisemeData)
-   - SetExpression(Valence, Arousal)
-   - SetGesture(GestureType)
-   - SetGaze(Target)
-
-### 7. Build and Package
-
-1. Package project for Linux (for server deployment):
-   - File → Package Project → Linux
-   - Or use command line:
-     ```
-     UnrealEditor-Cmd.exe -run=UnrealVersionSelector -project="path/to/project.uproject" -game -cook -package -build
-     ```
-
-## Deployment
-
-The packaged Unreal project should be deployed to a GPU-enabled server with:
-- NVIDIA GPU (RTX 3090+ recommended)
-- CUDA drivers
-- Sufficient VRAM (8GB+ per instance)
-
-## Integration
-
-The renderer service (`avatar/renderer/service.go`) controls Unreal instances via:
-- Process management (start/stop instances)
-- WebSocket communication (animation parameters)
-- PixelStreaming WebRTC streams
-
-## Notes
-
-- Each active session requires one Unreal instance
-- GPU resources should be allocated per instance
-- Consider using Unreal's multi-instance support for scaling
-
diff --git a/virtual-banker/backend/api/realtime.go b/virtual-banker/backend/api/realtime.go
deleted file mode 100644
index fd5833d..0000000
--- a/virtual-banker/backend/api/realtime.go
+++ /dev/null
@@ -1,35 +0,0 @@
-package api
-
-import (
-	"net/http"
-
-	"github.com/gorilla/mux"
-)
-
-// HandleRealtimeWebSocket handles WebSocket upgrade for realtime communication
-func (s *Server) HandleRealtimeWebSocket(w http.ResponseWriter, r *http.Request) {
-	vars := mux.Vars(r)
-	sessionID := vars["id"]
-
-	if sessionID == "" {
-		writeError(w, http.StatusBadRequest, "session_id is required", nil)
-		return
-	}
-
-	// Get session to validate
-	_, err := s.sessionManager.GetSession(r.Context(), sessionID)
-	if err != nil {
-		writeError(w, http.StatusUnauthorized, "invalid session", err)
-		return
-	}
-
-	// Upgrade to WebSocket
-	if s.realtimeGateway != nil {
-		if err := s.realtimeGateway.HandleWebSocket(w, r, sessionID); err != nil {
-			writeError(w, http.StatusInternalServerError, "failed to upgrade connection", err)
-			return
-		}
-		return
-	}
-	writeError(w, http.StatusServiceUnavailable, "realtime gateway not available", nil)
-}
diff --git a/virtual-banker/backend/api/routes.go b/virtual-banker/backend/api/routes.go
deleted file mode 100644
index ab769a9..0000000
--- a/virtual-banker/backend/api/routes.go
+++ /dev/null
@@ -1,185 +0,0 @@
-package api
-
-import (
-	"encoding/json"
-	"net/http"
-	"time"
-
-	"github.com/explorer/virtual-banker/backend/realtime"
-	"github.com/explorer/virtual-banker/backend/session"
-	"github.com/gorilla/mux"
-)
-
-// Server handles HTTP requests
-type Server struct {
-	sessionManager  *session.Manager
-	realtimeGateway *realtime.Gateway
-	router          *mux.Router
-}
-
-// NewServer creates a new API server
-func NewServer(sessionManager *session.Manager, realtimeGateway *realtime.Gateway) *Server {
-	s := &Server{
-		sessionManager:  sessionManager,
-		realtimeGateway: realtimeGateway,
-		router:          mux.NewRouter(),
-	}
-	s.setupRoutes()
-	return s
-}
-
-// setupRoutes sets up all API routes
-func (s *Server) setupRoutes() {
-	api := s.router.PathPrefix("/v1").Subrouter()
-
-	// Session routes
-	api.HandleFunc("/sessions", s.handleCreateSession).Methods("POST")
-	api.HandleFunc("/sessions/{id}/refresh-token", s.handleRefreshToken).Methods("POST")
-	api.HandleFunc("/sessions/{id}/end", s.handleEndSession).Methods("POST")
-
-	// Realtime WebSocket
-	api.HandleFunc("/realtime/{id}", s.HandleRealtimeWebSocket)
-
-	// Health check
-	s.router.HandleFunc("/health", s.handleHealth).Methods("GET")
-}
-
-// CreateSessionRequest represents a session creation request
-type CreateSessionRequest struct {
-	TenantID      string                 `json:"tenant_id"`
-	UserID        string                 `json:"user_id"`
-	AuthAssertion string                 `json:"auth_assertion"`
-	PortalContext map[string]interface{} `json:"portal_context,omitempty"`
-}
-
-// CreateSessionResponse represents a session creation response
-type CreateSessionResponse struct {
-	SessionID      string                `json:"session_id"`
-	EphemeralToken string                `json:"ephemeral_token"`
-	Config         *session.TenantConfig `json:"config"`
-	ExpiresAt      time.Time             `json:"expires_at"`
-}
-
-// handleCreateSession handles POST /v1/sessions
-func (s *Server) handleCreateSession(w http.ResponseWriter, r *http.Request) {
-	var req CreateSessionRequest
-	if err := json.NewDecoder(r.Body).Decode(&req); err != nil {
-		writeError(w, http.StatusBadRequest, "invalid request body", err)
-		return
-	}
-
-	if req.TenantID == "" || req.UserID == "" || req.AuthAssertion == "" {
-		writeError(w, http.StatusBadRequest, "tenant_id, user_id, and auth_assertion are required", nil)
-		return
-	}
-
-	sess, err := s.sessionManager.CreateSession(r.Context(), req.TenantID, req.UserID, req.AuthAssertion)
-	if err != nil {
-		writeError(w, http.StatusInternalServerError, "failed to create session", err)
-		return
-	}
-
-	resp := CreateSessionResponse{
-		SessionID:      sess.ID,
-		EphemeralToken: sess.EphemeralToken,
-		Config:         sess.Config,
-		ExpiresAt:      sess.ExpiresAt,
-	}
-
-	writeJSON(w, http.StatusCreated, resp)
-}
-
-// RefreshTokenResponse represents a token refresh response
-type RefreshTokenResponse struct {
-	EphemeralToken string    `json:"ephemeral_token"`
-	ExpiresAt      time.Time `json:"expires_at"`
-}
-
-// handleRefreshToken handles POST /v1/sessions/:id/refresh-token
-func (s *Server) handleRefreshToken(w http.ResponseWriter, r *http.Request) {
-	vars := mux.Vars(r)
-	sessionID := vars["id"]
-
-	if sessionID == "" {
-		writeError(w, http.StatusBadRequest, "session_id is required", nil)
-		return
-	}
-
-	newToken, err := s.sessionManager.RefreshToken(r.Context(), sessionID)
-	if err != nil {
-		if err.Error() == "session expired" {
-			writeError(w, http.StatusUnauthorized, "session expired", err)
-			return
-		}
-		writeError(w, http.StatusInternalServerError, "failed to refresh token", err)
-		return
-	}
-
-	sess, err := s.sessionManager.GetSession(r.Context(), sessionID)
-	if err != nil {
-		writeError(w, http.StatusInternalServerError, "failed to get session", err)
-		return
-	}
-
-	resp := RefreshTokenResponse{
-		EphemeralToken: newToken,
-		ExpiresAt:      sess.ExpiresAt,
-	}
-
-	writeJSON(w, http.StatusOK, resp)
-}
-
-// handleEndSession handles POST /v1/sessions/:id/end
-func (s *Server) handleEndSession(w http.ResponseWriter, r *http.Request) {
-	vars := mux.Vars(r)
-	sessionID := vars["id"]
-
-	if sessionID == "" {
-		writeError(w, http.StatusBadRequest, "session_id is required", nil)
-		return
-	}
-
-	if err := s.sessionManager.EndSession(r.Context(), sessionID); err != nil {
-		writeError(w, http.StatusInternalServerError, "failed to end session", err)
-		return
-	}
-
-	writeJSON(w, http.StatusOK, map[string]string{"status": "ended"})
-}
-
-// handleHealth handles GET /health
-func (s *Server) handleHealth(w http.ResponseWriter, r *http.Request) {
-	writeJSON(w, http.StatusOK, map[string]string{"status": "healthy"})
-}
-
-// ServeHTTP implements http.Handler
-func (s *Server) ServeHTTP(w http.ResponseWriter, r *http.Request) {
-	s.router.ServeHTTP(w, r)
-}
-
-// writeJSON writes a JSON response
-func writeJSON(w http.ResponseWriter, status int, data interface{}) {
-	w.Header().Set("Content-Type", "application/json")
-	w.WriteHeader(status)
-	json.NewEncoder(w).Encode(data)
-}
-
-// ErrorResponse represents an error response
-type ErrorResponse struct {
-	Error   string `json:"error"`
-	Message string `json:"message,omitempty"`
-}
-
-// writeError writes an error response
-func writeError(w http.ResponseWriter, status int, message string, err error) {
-	resp := ErrorResponse{
-		Error: message,
-		Message: func() string {
-			if err != nil {
-				return err.Error()
-			}
-			return ""
-		}(),
-	}
-	writeJSON(w, status, resp)
-}
diff --git a/virtual-banker/backend/asr/service.go b/virtual-banker/backend/asr/service.go
deleted file mode 100644
index d11ecee..0000000
--- a/virtual-banker/backend/asr/service.go
+++ /dev/null
@@ -1,102 +0,0 @@
-package asr
-
-import (
-	"context"
-	"fmt"
-	"io"
-	"time"
-)
-
-// Service provides speech-to-text functionality
-type Service interface {
-	TranscribeStream(ctx context.Context, audioStream io.Reader) (<-chan TranscriptEvent, error)
-	Transcribe(ctx context.Context, audioData []byte) (string, error)
-}
-
-// TranscriptEvent represents a transcription event
-type TranscriptEvent struct {
-	Type      string  `json:"type"` // "partial" or "final"
-	Text      string  `json:"text"`
-	Confidence float64 `json:"confidence,omitempty"`
-	Timestamp int64   `json:"timestamp"`
-	Words     []Word  `json:"words,omitempty"`
-}
-
-// Word represents a word with timing information
-type Word struct {
-	Word      string  `json:"word"`
-	StartTime float64 `json:"start_time"`
-	EndTime   float64 `json:"end_time"`
-	Confidence float64 `json:"confidence,omitempty"`
-}
-
-// MockASRService is a mock implementation for development
-type MockASRService struct{}
-
-// NewMockASRService creates a new mock ASR service
-func NewMockASRService() *MockASRService {
-	return &MockASRService{}
-}
-
-// TranscribeStream transcribes an audio stream
-func (s *MockASRService) TranscribeStream(ctx context.Context, audioStream io.Reader) (<-chan TranscriptEvent, error) {
-	events := make(chan TranscriptEvent, 10)
-
-	go func() {
-		defer close(events)
-
-		// Mock implementation - in production, integrate with Deepgram, Google STT, etc.
-		// For now, just send a mock event
-		select {
-		case <-ctx.Done():
-			return
-		case events <- TranscriptEvent{
-			Type:      "final",
-			Text:      "Hello, how can I help you today?",
-			Confidence: 0.95,
-			Timestamp: time.Now().Unix(),
-		}:
-		}
-	}()
-
-	return events, nil
-}
-
-// Transcribe transcribes audio data
-func (s *MockASRService) Transcribe(ctx context.Context, audioData []byte) (string, error) {
-	// Mock implementation
-	return "Hello, how can I help you today?", nil
-}
-
-// DeepgramASRService integrates with Deepgram (example - requires API key)
-type DeepgramASRService struct {
-	apiKey string
-}
-
-// NewDeepgramASRService creates a new Deepgram ASR service
-func NewDeepgramASRService(apiKey string) *DeepgramASRService {
-	return &DeepgramASRService{
-		apiKey: apiKey,
-	}
-}
-
-// TranscribeStream transcribes using Deepgram streaming API
-func (s *DeepgramASRService) TranscribeStream(ctx context.Context, audioStream io.Reader) (<-chan TranscriptEvent, error) {
-	events := make(chan TranscriptEvent, 10)
-
-	// TODO: Implement Deepgram streaming API integration
-	// This would involve:
-	// 1. Establishing WebSocket connection to Deepgram
-	// 2. Sending audio chunks
-	// 3. Receiving partial and final transcripts
-	// 4. Converting to TranscriptEvent format
-
-	return events, fmt.Errorf("not implemented - requires Deepgram API integration")
-}
-
-// Transcribe transcribes using Deepgram REST API
-func (s *DeepgramASRService) Transcribe(ctx context.Context, audioData []byte) (string, error) {
-	// TODO: Implement Deepgram REST API integration
-	return "", fmt.Errorf("not implemented - requires Deepgram API integration")
-}
-
diff --git a/virtual-banker/backend/go.mod b/virtual-banker/backend/go.mod
deleted file mode 100644
index c33e324..0000000
--- a/virtual-banker/backend/go.mod
+++ /dev/null
@@ -1,22 +0,0 @@
-module github.com/explorer/virtual-banker/backend
-
-go 1.21
-
-require (
-	github.com/gorilla/mux v1.8.1
-	github.com/gorilla/websocket v1.5.1
-	github.com/jackc/pgx/v5 v5.5.1
-	github.com/redis/go-redis/v9 v9.3.0
-)
-
-require (
-	github.com/cespare/xxhash/v2 v2.2.0 // indirect
-	github.com/dgryski/go-rendezvous v0.0.0-20200823014737-9f7001d12a5f // indirect
-	github.com/jackc/pgpassfile v1.0.0 // indirect
-	github.com/jackc/pgservicefile v0.0.0-20221227161230-091c0ba34f0a // indirect
-	github.com/jackc/puddle/v2 v2.2.1 // indirect
-	golang.org/x/crypto v0.17.0 // indirect
-	golang.org/x/net v0.17.0 // indirect
-	golang.org/x/sync v0.1.0 // indirect
-	golang.org/x/text v0.14.0 // indirect
-)
diff --git a/virtual-banker/backend/go.sum b/virtual-banker/backend/go.sum
deleted file mode 100644
index aa51ef9..0000000
--- a/virtual-banker/backend/go.sum
+++ /dev/null
@@ -1,44 +0,0 @@
-github.com/bsm/ginkgo/v2 v2.12.0 h1:Ny8MWAHyOepLGlLKYmXG4IEkioBysk6GpaRTLC8zwWs=
-github.com/bsm/ginkgo/v2 v2.12.0/go.mod h1:SwYbGRRDovPVboqFv0tPTcG1sN61LM1Z4ARdbAV9g4c=
-github.com/bsm/gomega v1.27.10 h1:yeMWxP2pV2fG3FgAODIY8EiRE3dy0aeFYt4l7wh6yKA=
-github.com/bsm/gomega v1.27.10/go.mod h1:JyEr/xRbxbtgWNi8tIEVPUYZ5Dzef52k01W3YH0H+O0=
-github.com/cespare/xxhash/v2 v2.2.0 h1:DC2CZ1Ep5Y4k3ZQ899DldepgrayRUGE6BBZ/cd9Cj44=
-github.com/cespare/xxhash/v2 v2.2.0/go.mod h1:VGX0DQ3Q6kWi7AoAeZDth3/j3BFtOZR5XLFGgcrjCOs=
-github.com/davecgh/go-spew v1.1.0/go.mod h1:J7Y8YcW2NihsgmVo/mv3lAwl/skON4iLHjSsI+c5H38=
-github.com/davecgh/go-spew v1.1.1 h1:vj9j/u1bqnvCEfJOwUhtlOARqs3+rkHYY13jYWTU97c=
-github.com/davecgh/go-spew v1.1.1/go.mod h1:J7Y8YcW2NihsgmVo/mv3lAwl/skON4iLHjSsI+c5H38=
-github.com/dgryski/go-rendezvous v0.0.0-20200823014737-9f7001d12a5f h1:lO4WD4F/rVNCu3HqELle0jiPLLBs70cWOduZpkS1E78=
-github.com/dgryski/go-rendezvous v0.0.0-20200823014737-9f7001d12a5f/go.mod h1:cuUVRXasLTGF7a8hSLbxyZXjz+1KgoB3wDUb6vlszIc=
-github.com/gorilla/mux v1.8.1 h1:TuBL49tXwgrFYWhqrNgrUNEY92u81SPhu7sTdzQEiWY=
-github.com/gorilla/mux v1.8.1/go.mod h1:AKf9I4AEqPTmMytcMc0KkNouC66V3BtZ4qD5fmWSiMQ=
-github.com/gorilla/websocket v1.5.1 h1:gmztn0JnHVt9JZquRuzLw3g4wouNVzKL15iLr/zn/QY=
-github.com/gorilla/websocket v1.5.1/go.mod h1:x3kM2JMyaluk02fnUJpQuwD2dCS5NDG2ZHL0uE0tcaY=
-github.com/jackc/pgpassfile v1.0.0 h1:/6Hmqy13Ss2zCq62VdNG8tM1wchn8zjSGOBJ6icpsIM=
-github.com/jackc/pgpassfile v1.0.0/go.mod h1:CEx0iS5ambNFdcRtxPj5JhEz+xB6uRky5eyVu/W2HEg=
-github.com/jackc/pgservicefile v0.0.0-20221227161230-091c0ba34f0a h1:bbPeKD0xmW/Y25WS6cokEszi5g+S0QxI/d45PkRi7Nk=
-github.com/jackc/pgservicefile v0.0.0-20221227161230-091c0ba34f0a/go.mod h1:5TJZWKEWniPve33vlWYSoGYefn3gLQRzjfDlhSJ9ZKM=
-github.com/jackc/pgx/v5 v5.5.1 h1:5I9etrGkLrN+2XPCsi6XLlV5DITbSL/xBZdmAxFcXPI=
-github.com/jackc/pgx/v5 v5.5.1/go.mod h1:Ig06C2Vu0t5qXC60W8sqIthScaEnFvojjj9dSljmHRA=
-github.com/jackc/puddle/v2 v2.2.1 h1:RhxXJtFG022u4ibrCSMSiu5aOq1i77R3OHKNJj77OAk=
-github.com/jackc/puddle/v2 v2.2.1/go.mod h1:vriiEXHvEE654aYKXXjOvZM39qJ0q+azkZFrfEOc3H4=
-github.com/pmezard/go-difflib v1.0.0 h1:4DBwDE0NGyQoBHbLQYPwSUPoCMWR5BEzIk/f1lZbAQM=
-github.com/pmezard/go-difflib v1.0.0/go.mod h1:iKH77koFhYxTK1pcRnkKkqfTogsbg7gZNVY4sRDYZ/4=
-github.com/redis/go-redis/v9 v9.3.0 h1:RiVDjmig62jIWp7Kk4XVLs0hzV6pI3PyTnnL0cnn0u0=
-github.com/redis/go-redis/v9 v9.3.0/go.mod h1:hdY0cQFCN4fnSYT6TkisLufl/4W5UIXyv0b/CLO2V2M=
-github.com/stretchr/objx v0.1.0/go.mod h1:HFkY916IF+rwdDfMAkV7OtwuqBVzrE8GR6GFx+wExME=
-github.com/stretchr/testify v1.3.0/go.mod h1:M5WIy9Dh21IEIfnGCwXGc5bZfKNJtfHm1UVUgZn+9EI=
-github.com/stretchr/testify v1.7.0/go.mod h1:6Fq8oRcR53rry900zMqJjRRixrwX3KX962/h/Wwjteg=
-github.com/stretchr/testify v1.8.1 h1:w7B6lhMri9wdJUVmEZPGGhZzrYTPvgJArz7wNPgYKsk=
-github.com/stretchr/testify v1.8.1/go.mod h1:w2LPCIKwWwSfY2zedu0+kehJoqGctiVI29o6fzry7u4=
-golang.org/x/crypto v0.17.0 h1:r8bRNjWL3GshPW3gkd+RpvzWrZAwPS49OmTGZ/uhM4k=
-golang.org/x/crypto v0.17.0/go.mod h1:gCAAfMLgwOJRpTjQ2zCCt2OcSfYMTeZVSRtQlPC7Nq4=
-golang.org/x/net v0.17.0 h1:pVaXccu2ozPjCXewfr1S7xza/zcXTity9cCdXQYSjIM=
-golang.org/x/net v0.17.0/go.mod h1:NxSsAGuq816PNPmqtQdLE42eU2Fs7NoRIZrHJAlaCOE=
-golang.org/x/sync v0.1.0 h1:wsuoTGHzEhffawBOhz5CYhcrV4IdKZbEyZjBMuTp12o=
-golang.org/x/sync v0.1.0/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
-golang.org/x/text v0.14.0 h1:ScX5w1eTa3QqT8oi6+ziP7dTV1S2+ALU0bI+0zXKWiQ=
-golang.org/x/text v0.14.0/go.mod h1:18ZOQIKpY8NJVqYksKHtTdi31H5itFRjB5/qKTNYzSU=
-gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
-gopkg.in/yaml.v3 v3.0.0-20200313102051-9f266ea9e77c/go.mod h1:K4uyk7z7BCEPqu6E+C64Yfv1cQ7kz7rIZviUmN+EgEM=
-gopkg.in/yaml.v3 v3.0.1 h1:fxVm/GzAzEWqLHuvctI91KS9hhNmmWOoWu0XTYJS7CA=
-gopkg.in/yaml.v3 v3.0.1/go.mod h1:K4uyk7z7BCEPqu6E+C64Yfv1cQ7kz7rIZviUmN+EgEM=
diff --git a/virtual-banker/backend/llm/gateway.go b/virtual-banker/backend/llm/gateway.go
deleted file mode 100644
index 22f6e8b..0000000
--- a/virtual-banker/backend/llm/gateway.go
+++ /dev/null
@@ -1,102 +0,0 @@
-package llm
-
-import (
-	"context"
-	"fmt"
-)
-
-// Gateway provides LLM functionality
-type Gateway interface {
-	Generate(ctx context.Context, prompt string, options *GenerateOptions) (*GenerateResponse, error)
-}
-
-// GenerateOptions contains options for generation
-type GenerateOptions struct {
-	Temperature   float64
-	MaxTokens     int
-	Tools         []Tool
-	TenantID      string
-	UserID        string
-	ConversationHistory []Message
-}
-
-// Tool represents a callable tool/function
-type Tool struct {
-	Name        string
-	Description string
-	Parameters  map[string]interface{}
-}
-
-// Message represents a conversation message
-type Message struct {
-	Role    string // "user" or "assistant"
-	Content string
-}
-
-// GenerateResponse contains the LLM response
-type GenerateResponse struct {
-	Text      string
-	Tools     []ToolCall
-	Emotion   *Emotion
-	Gestures  []string
-}
-
-// ToolCall represents a tool call request
-type ToolCall struct {
-	Name      string
-	Arguments map[string]interface{}
-}
-
-// Emotion represents emotional state for avatar
-type Emotion struct {
-	Valence float64 // -1.0 to 1.0
-	Arousal float64 // 0.0 to 1.0
-}
-
-// MockLLMGateway is a mock implementation for development
-type MockLLMGateway struct{}
-
-// NewMockLLMGateway creates a new mock LLM gateway
-func NewMockLLMGateway() *MockLLMGateway {
-	return &MockLLMGateway{}
-}
-
-// Generate generates a response using mock LLM
-func (g *MockLLMGateway) Generate(ctx context.Context, prompt string, options *GenerateOptions) (*GenerateResponse, error) {
-	// Mock implementation
-	return &GenerateResponse{
-		Text: "I understand. How can I assist you with your banking needs today?",
-		Emotion: &Emotion{
-			Valence: 0.5,
-			Arousal: 0.3,
-		},
-		Gestures: []string{"nod"},
-	}, nil
-}
-
-// OpenAIGateway integrates with OpenAI (example - requires API key)
-type OpenAIGateway struct {
-	apiKey  string
-	model   string
-}
-
-// NewOpenAIGateway creates a new OpenAI gateway
-func NewOpenAIGateway(apiKey, model string) *OpenAIGateway {
-	return &OpenAIGateway{
-		apiKey: apiKey,
-		model:  model,
-	}
-}
-
-// Generate generates using OpenAI API
-func (g *OpenAIGateway) Generate(ctx context.Context, prompt string, options *GenerateOptions) (*GenerateResponse, error) {
-	// TODO: Implement OpenAI API integration
-	// This would involve:
-	// 1. Building the prompt with system message, conversation history
-	// 2. Adding tool definitions if tools are provided
-	// 3. Making API call to OpenAI
-	// 4. Parsing response and extracting tool calls
-	// 5. Mapping to GenerateResponse format
-	return nil, fmt.Errorf("not implemented - requires OpenAI API integration")
-}
-
diff --git a/virtual-banker/backend/llm/prompt.go b/virtual-banker/backend/llm/prompt.go
deleted file mode 100644
index a9da32a..0000000
--- a/virtual-banker/backend/llm/prompt.go
+++ /dev/null
@@ -1,124 +0,0 @@
-package llm
-
-import (
-	"fmt"
-	"strings"
-)
-
-// BuildPrompt builds a prompt from components
-func BuildPrompt(tenantConfig *TenantConfig, conversationHistory []Message, userInput string, retrievedDocs []RetrievedDoc) string {
-	var parts []string
-
-	// System message
-	systemMsg := buildSystemMessage(tenantConfig)
-	parts = append(parts, systemMsg)
-
-	// Retrieved documents (RAG context)
-	if len(retrievedDocs) > 0 {
-		parts = append(parts, "\n## Context:")
-		for i, doc := range retrievedDocs {
-			parts = append(parts, fmt.Sprintf("\n[Document %d]", i+1))
-			parts = append(parts, fmt.Sprintf("Title: %s", doc.Title))
-			parts = append(parts, fmt.Sprintf("Content: %s", doc.Content))
-			if doc.URL != "" {
-				parts = append(parts, fmt.Sprintf("Source: %s", doc.URL))
-			}
-		}
-	}
-
-	// Conversation history
-	if len(conversationHistory) > 0 {
-		parts = append(parts, "\n## Conversation History:")
-		for _, msg := range conversationHistory {
-			parts = append(parts, fmt.Sprintf("%s: %s", strings.Title(msg.Role), msg.Content))
-		}
-	}
-
-	// Current user input
-	parts = append(parts, fmt.Sprintf("\n## User: %s", userInput))
-	parts = append(parts, "\n## Assistant:")
-
-	return strings.Join(parts, "\n")
-}
-
-// TenantConfig holds tenant-specific configuration
-type TenantConfig struct {
-	Greeting     string
-	Tone         string // "professional", "friendly", "formal"
-	Disclaimers  []string
-	AllowedTools []string
-}
-
-// RetrievedDoc represents a retrieved document from RAG
-type RetrievedDoc struct {
-	Title   string
-	Content string
-	URL     string
-	Score   float64
-}
-
-// BuildPromptWithRAG builds a prompt with RAG context
-func BuildPromptWithRAG(tenantConfig *TenantConfig, conversationHistory []Message, userInput string, retrievedDocs []RetrievedDoc) string {
-	var parts []string
-
-	// System message
-	systemMsg := buildSystemMessage(tenantConfig)
-	parts = append(parts, systemMsg)
-
-	// Retrieved documents (RAG context)
-	if len(retrievedDocs) > 0 {
-		parts = append(parts, "\n## Context:")
-		for i, doc := range retrievedDocs {
-			parts = append(parts, fmt.Sprintf("\n[Document %d]", i+1))
-			parts = append(parts, fmt.Sprintf("Title: %s", doc.Title))
-			parts = append(parts, fmt.Sprintf("Content: %s", doc.Content))
-			if doc.URL != "" {
-				parts = append(parts, fmt.Sprintf("Source: %s", doc.URL))
-			}
-		}
-	}
-
-	// Conversation history
-	if len(conversationHistory) > 0 {
-		parts = append(parts, "\n## Conversation History:")
-		for _, msg := range conversationHistory {
-			parts = append(parts, fmt.Sprintf("%s: %s", strings.Title(msg.Role), msg.Content))
-		}
-	}
-
-	// Current user input
-	parts = append(parts, fmt.Sprintf("\n## User: %s", userInput))
-	parts = append(parts, "\n## Assistant:")
-
-	return strings.Join(parts, "\n")
-}
-
-// buildSystemMessage builds the system message
-func buildSystemMessage(config *TenantConfig) string {
-	var parts []string
-
-	parts = append(parts, "You are a helpful Virtual Banker assistant.")
-
-	if config.Tone != "" {
-		parts = append(parts, fmt.Sprintf("Your tone should be %s.", config.Tone))
-	}
-
-	if len(config.Disclaimers) > 0 {
-		parts = append(parts, "\nImportant disclaimers:")
-		for _, disclaimer := range config.Disclaimers {
-			parts = append(parts, fmt.Sprintf("- %s", disclaimer))
-		}
-	}
-
-	if len(config.AllowedTools) > 0 {
-		parts = append(parts, "\nYou have access to the following tools:")
-		for _, tool := range config.AllowedTools {
-			parts = append(parts, fmt.Sprintf("- %s", tool))
-		}
-	}
-
-	parts = append(parts, "\nAlways be helpful, accurate, and respectful.")
-	parts = append(parts, "If you don't know something, say so and offer to help find the answer.")
-
-	return strings.Join(parts, "\n")
-}
diff --git a/virtual-banker/backend/main.go b/virtual-banker/backend/main.go
deleted file mode 100644
index a00983c..0000000
--- a/virtual-banker/backend/main.go
+++ /dev/null
@@ -1,136 +0,0 @@
-package main
-
-import (
-	"context"
-	"log"
-	"net/http"
-	"os"
-	"os/signal"
-	"syscall"
-	"time"
-
-	"github.com/explorer/virtual-banker/backend/api"
-	"github.com/explorer/virtual-banker/backend/asr"
-	"github.com/explorer/virtual-banker/backend/llm"
-	"github.com/explorer/virtual-banker/backend/orchestrator"
-	"github.com/explorer/virtual-banker/backend/rag"
-	"github.com/explorer/virtual-banker/backend/realtime"
-	"github.com/explorer/virtual-banker/backend/session"
-	"github.com/explorer/virtual-banker/backend/tools"
-	"github.com/explorer/virtual-banker/backend/tools/banking"
-	"github.com/explorer/virtual-banker/backend/tts"
-	"github.com/jackc/pgx/v5/pgxpool"
-	"github.com/redis/go-redis/v9"
-)
-
-func main() {
-	// Load configuration from environment
-	dbURL := getEnv("DATABASE_URL", "postgres://explorer:changeme@localhost:5432/explorer?sslmode=disable")
-	redisURL := getEnv("REDIS_URL", "redis://localhost:6379")
-	port := getEnv("PORT", "8081")
-
-	// Initialize database connection
-	db, err := pgxpool.New(context.Background(), dbURL)
-	if err != nil {
-		log.Fatalf("Failed to connect to database: %v", err)
-	}
-	defer db.Close()
-
-	// Initialize Redis connection
-	opt, err := redis.ParseURL(redisURL)
-	if err != nil {
-		log.Fatalf("Failed to parse Redis URL: %v", err)
-	}
-	redisClient := redis.NewClient(opt)
-	defer redisClient.Close()
-
-	// Test connections
-	if err := db.Ping(context.Background()); err != nil {
-		log.Fatalf("Database ping failed: %v", err)
-	}
-	if err := redisClient.Ping(context.Background()).Err(); err != nil {
-		log.Fatalf("Redis ping failed: %v", err)
-	}
-
-	// Initialize services
-	sessionManager := session.NewManager(db, redisClient)
-
-	// Initialize ASR/TTS (using mocks for now)
-	asrService := asr.NewMockASRService()
-	ttsService := tts.NewMockTTSService()
-
-	// Initialize LLM (using mock for now)
-	llmGateway := llm.NewMockLLMGateway()
-
-	// Initialize RAG
-	ragService := rag.NewRAGService(db)
-
-	// Initialize tools
-	toolRegistry := tools.NewRegistry()
-	toolRegistry.Register(banking.NewAccountStatusTool())
-	toolRegistry.Register(banking.NewCreateTicketTool())
-	toolRegistry.Register(banking.NewScheduleAppointmentTool())
-	toolRegistry.Register(banking.NewSubmitPaymentTool())
-
-	auditLogger := &tools.MockAuditLogger{}
-	toolExecutor := tools.NewExecutor(toolRegistry, auditLogger)
-
-	// Initialize orchestrator
-	convOrchestrator := orchestrator.NewOrchestrator(
-		asrService,
-		ttsService,
-		llmGateway,
-		ragService,
-		toolExecutor,
-	)
-
-	// Initialize realtime gateway
-	realtimeGateway := realtime.NewGateway()
-
-	// Initialize API server
-	apiServer := api.NewServer(sessionManager, realtimeGateway)
-
-	// Store orchestrator reference (would be used by handlers)
-	_ = convOrchestrator
-
-	// Create HTTP server
-	srv := &http.Server{
-		Addr:         ":" + port,
-		Handler:      apiServer,
-		ReadTimeout:  15 * time.Second,
-		WriteTimeout: 15 * time.Second,
-		IdleTimeout:  60 * time.Second,
-	}
-
-	// Start server in goroutine
-	go func() {
-		log.Printf("Virtual Banker API server starting on port %s", port)
-		if err := srv.ListenAndServe(); err != nil && err != http.ErrServerClosed {
-			log.Fatalf("Server failed to start: %v", err)
-		}
-	}()
-
-	// Wait for interrupt signal
-	quit := make(chan os.Signal, 1)
-	signal.Notify(quit, syscall.SIGINT, syscall.SIGTERM)
-	<-quit
-
-	log.Println("Shutting down server...")
-
-	// Graceful shutdown
-	ctx, cancel := context.WithTimeout(context.Background(), 30*time.Second)
-	defer cancel()
-
-	if err := srv.Shutdown(ctx); err != nil {
-		log.Fatalf("Server forced to shutdown: %v", err)
-	}
-
-	log.Println("Server exited")
-}
-
-func getEnv(key, defaultValue string) string {
-	if value := os.Getenv(key); value != "" {
-		return value
-	}
-	return defaultValue
-}
diff --git a/virtual-banker/backend/memory/service.go b/virtual-banker/backend/memory/service.go
deleted file mode 100644
index bd74cf4..0000000
--- a/virtual-banker/backend/memory/service.go
+++ /dev/null
@@ -1,163 +0,0 @@
-package memory
-
-import (
-	"context"
-	"encoding/json"
-	"fmt"
-
-	"github.com/jackc/pgx/v5/pgxpool"
-)
-
-// Service manages user memory and preferences
-type Service interface {
-	GetProfile(ctx context.Context, userID, tenantID string) (*UserProfile, error)
-	SaveProfile(ctx context.Context, profile *UserProfile) error
-	GetHistory(ctx context.Context, userID, tenantID string, limit int) ([]ConversationHistory, error)
-	SaveHistory(ctx context.Context, history *ConversationHistory) error
-}
-
-// UserProfile represents user preferences and memory
-type UserProfile struct {
-	UserID      string
-	TenantID    string
-	Preferences map[string]interface{}
-	Context     map[string]interface{}
-	CreatedAt   string
-	UpdatedAt   string
-}
-
-// ConversationHistory represents a conversation history entry
-type ConversationHistory struct {
-	ID        string
-	UserID    string
-	TenantID  string
-	SessionID string
-	Messages  []Message
-	CreatedAt string
-}
-
-// Message represents a message in history
-type Message struct {
-	Role    string
-	Content string
-	Timestamp string
-}
-
-// MemoryService implements memory using PostgreSQL
-type MemoryService struct {
-	db *pgxpool.Pool
-}
-
-// NewMemoryService creates a new memory service
-func NewMemoryService(db *pgxpool.Pool) *MemoryService {
-	return &MemoryService{
-		db: db,
-	}
-}
-
-// GetProfile gets user profile
-func (s *MemoryService) GetProfile(ctx context.Context, userID, tenantID string) (*UserProfile, error) {
-	query := `
-		SELECT user_id, tenant_id, preferences, context, created_at, updated_at
-		FROM user_profiles
-		WHERE user_id = $1 AND tenant_id = $2
-	`
-
-	var profile UserProfile
-	var prefsJSON, contextJSON []byte
-
-	err := s.db.QueryRow(ctx, query, userID, tenantID).Scan(
-		&profile.UserID,
-		&profile.TenantID,
-		&prefsJSON,
-		&contextJSON,
-		&profile.CreatedAt,
-		&profile.UpdatedAt,
-	)
-	if err != nil {
-		// Return default profile if not found
-		return &UserProfile{
-			UserID:      userID,
-			TenantID:    tenantID,
-			Preferences: make(map[string]interface{}),
-			Context:     make(map[string]interface{}),
-		}, nil
-	}
-
-	if err := json.Unmarshal(prefsJSON, &profile.Preferences); err != nil {
-		profile.Preferences = make(map[string]interface{})
-	}
-	if err := json.Unmarshal(contextJSON, &profile.Context); err != nil {
-		profile.Context = make(map[string]interface{})
-	}
-
-	return &profile, nil
-}
-
-// SaveProfile saves user profile
-func (s *MemoryService) SaveProfile(ctx context.Context, profile *UserProfile) error {
-	prefsJSON, _ := json.Marshal(profile.Preferences)
-	contextJSON, _ := json.Marshal(profile.Context)
-
-	query := `
-		INSERT INTO user_profiles (user_id, tenant_id, preferences, context, created_at, updated_at)
-		VALUES ($1, $2, $3, $4, NOW(), NOW())
-		ON CONFLICT (user_id, tenant_id) DO UPDATE SET
-			preferences = $3,
-			context = $4,
-			updated_at = NOW()
-	`
-
-	_, err := s.db.Exec(ctx, query, profile.UserID, profile.TenantID, prefsJSON, contextJSON)
-	return err
-}
-
-// GetHistory gets conversation history
-func (s *MemoryService) GetHistory(ctx context.Context, userID, tenantID string, limit int) ([]ConversationHistory, error) {
-	if limit <= 0 {
-		limit = 10
-	}
-
-	query := `
-		SELECT id, user_id, tenant_id, session_id, messages, created_at
-		FROM conversation_history
-		WHERE user_id = $1 AND tenant_id = $2
-		ORDER BY created_at DESC
-		LIMIT $3
-	`
-
-	rows, err := s.db.Query(ctx, query, userID, tenantID, limit)
-	if err != nil {
-		return nil, fmt.Errorf("failed to query: %w", err)
-	}
-	defer rows.Close()
-
-	var histories []ConversationHistory
-	for rows.Next() {
-		var history ConversationHistory
-		var messagesJSON []byte
-		if err := rows.Scan(&history.ID, &history.UserID, &history.TenantID, &history.SessionID, &messagesJSON, &history.CreatedAt); err != nil {
-			continue
-		}
-		if err := json.Unmarshal(messagesJSON, &history.Messages); err != nil {
-			history.Messages = []Message{}
-		}
-		histories = append(histories, history)
-	}
-
-	return histories, nil
-}
-
-// SaveHistory saves conversation history
-func (s *MemoryService) SaveHistory(ctx context.Context, history *ConversationHistory) error {
-	messagesJSON, _ := json.Marshal(history.Messages)
-
-	query := `
-		INSERT INTO conversation_history (id, user_id, tenant_id, session_id, messages, created_at)
-		VALUES ($1, $2, $3, $4, $5, NOW())
-	`
-
-	_, err := s.db.Exec(ctx, query, history.ID, history.UserID, history.TenantID, history.SessionID, messagesJSON)
-	return err
-}
-
diff --git a/virtual-banker/backend/observability/metrics.go b/virtual-banker/backend/observability/metrics.go
deleted file mode 100644
index 7b1c383..0000000
--- a/virtual-banker/backend/observability/metrics.go
+++ /dev/null
@@ -1,73 +0,0 @@
-package observability
-
-import (
-	"sync/atomic"
-	"time"
-)
-
-// Metrics collects system metrics
-type Metrics struct {
-	SessionCreations    int64
-	ActiveSessions      int64
-	MessagesProcessed   int64
-	ASRLatency          int64 // microseconds
-	TTSLatency          int64 // microseconds
-	LLMLatency          int64 // microseconds
-	Errors              int64
-}
-
-var globalMetrics = &Metrics{}
-
-// GetMetrics returns current metrics
-func GetMetrics() *Metrics {
-	return &Metrics{
-		SessionCreations:  atomic.LoadInt64(&globalMetrics.SessionCreations),
-		ActiveSessions:    atomic.LoadInt64(&globalMetrics.ActiveSessions),
-		MessagesProcessed: atomic.LoadInt64(&globalMetrics.MessagesProcessed),
-		ASRLatency:        atomic.LoadInt64(&globalMetrics.ASRLatency),
-		TTSLatency:        atomic.LoadInt64(&globalMetrics.TTSLatency),
-		LLMLatency:        atomic.LoadInt64(&globalMetrics.LLMLatency),
-		Errors:            atomic.LoadInt64(&globalMetrics.Errors),
-	}
-}
-
-// IncrementSessionCreations increments session creation count
-func IncrementSessionCreations() {
-	atomic.AddInt64(&globalMetrics.SessionCreations, 1)
-}
-
-// IncrementActiveSessions increments active session count
-func IncrementActiveSessions() {
-	atomic.AddInt64(&globalMetrics.ActiveSessions, 1)
-}
-
-// DecrementActiveSessions decrements active session count
-func DecrementActiveSessions() {
-	atomic.AddInt64(&globalMetrics.ActiveSessions, -1)
-}
-
-// IncrementMessagesProcessed increments message count
-func IncrementMessagesProcessed() {
-	atomic.AddInt64(&globalMetrics.MessagesProcessed, 1)
-}
-
-// RecordASRLatency records ASR latency
-func RecordASRLatency(duration time.Duration) {
-	atomic.StoreInt64(&globalMetrics.ASRLatency, duration.Microseconds())
-}
-
-// RecordTTSLatency records TTS latency
-func RecordTTSLatency(duration time.Duration) {
-	atomic.StoreInt64(&globalMetrics.TTSLatency, duration.Microseconds())
-}
-
-// RecordLLMLatency records LLM latency
-func RecordLLMLatency(duration time.Duration) {
-	atomic.StoreInt64(&globalMetrics.LLMLatency, duration.Microseconds())
-}
-
-// IncrementErrors increments error count
-func IncrementErrors() {
-	atomic.AddInt64(&globalMetrics.Errors, 1)
-}
-
diff --git a/virtual-banker/backend/observability/tracing.go b/virtual-banker/backend/observability/tracing.go
deleted file mode 100644
index 73b0519..0000000
--- a/virtual-banker/backend/observability/tracing.go
+++ /dev/null
@@ -1,48 +0,0 @@
-package observability
-
-import (
-	"context"
-	"fmt"
-)
-
-// Tracer provides distributed tracing
-type Tracer interface {
-	StartSpan(ctx context.Context, name string) (context.Context, Span)
-}
-
-// Span represents a tracing span
-type Span interface {
-	End()
-	SetAttribute(key string, value interface{})
-	SetError(err error)
-}
-
-// MockTracer is a mock tracer for development
-type MockTracer struct{}
-
-// StartSpan starts a new span
-func (t *MockTracer) StartSpan(ctx context.Context, name string) (context.Context, Span) {
-	return ctx, &MockSpan{}
-}
-
-// MockSpan is a mock span
-type MockSpan struct{}
-
-// End ends the span
-func (m *MockSpan) End() {}
-
-// SetAttribute sets an attribute
-func (m *MockSpan) SetAttribute(key string, value interface{}) {}
-
-// SetError sets an error
-func (m *MockSpan) SetError(err error) {}
-
-// TraceConversation traces a conversation turn
-func TraceConversation(ctx context.Context, tracer Tracer, sessionID, userID string, input string) (context.Context, Span) {
-	ctx, span := tracer.StartSpan(ctx, "conversation.turn")
-	span.SetAttribute("session_id", sessionID)
-	span.SetAttribute("user_id", userID)
-	span.SetAttribute("input_length", len(input))
-	return ctx, span
-}
-
diff --git a/virtual-banker/backend/orchestrator/orchestrator.go b/virtual-banker/backend/orchestrator/orchestrator.go
deleted file mode 100644
index 11b40df..0000000
--- a/virtual-banker/backend/orchestrator/orchestrator.go
+++ /dev/null
@@ -1,284 +0,0 @@
-package orchestrator
-
-import (
-	"context"
-	"fmt"
-	"sync"
-	"time"
-
-	"github.com/explorer/virtual-banker/backend/asr"
-	"github.com/explorer/virtual-banker/backend/llm"
-	"github.com/explorer/virtual-banker/backend/rag"
-	"github.com/explorer/virtual-banker/backend/tools"
-	"github.com/explorer/virtual-banker/backend/tts"
-)
-
-// State represents the conversation state
-type State string
-
-const (
-	StateIdle      State = "IDLE"
-	StateListening State = "LISTENING"
-	StateThinking  State = "THINKING"
-	StateSpeaking  State = "SPEAKING"
-)
-
-// Orchestrator orchestrates conversation flow
-type Orchestrator struct {
-	sessions map[string]*SessionOrchestrator
-	mu       sync.RWMutex
-	asr      asr.Service
-	tts      tts.Service
-	llm      llm.Gateway
-	rag      rag.Service
-	tools    *tools.Executor
-}
-
-// NewOrchestrator creates a new orchestrator
-func NewOrchestrator(asrService asr.Service, ttsService tts.Service, llmGateway llm.Gateway, ragService rag.Service, toolExecutor *tools.Executor) *Orchestrator {
-	return &Orchestrator{
-		sessions: make(map[string]*SessionOrchestrator),
-		asr:      asrService,
-		tts:      ttsService,
-		llm:      llmGateway,
-		rag:      ragService,
-		tools:    toolExecutor,
-	}
-}
-
-// SessionOrchestrator manages a single session's conversation
-type SessionOrchestrator struct {
-	sessionID    string
-	tenantID     string
-	userID       string
-	state        State
-	mu           sync.RWMutex
-	ctx          context.Context
-	cancel       context.CancelFunc
-	asr          asr.Service
-	tts          tts.Service
-	llm          llm.Gateway
-	rag          rag.Service
-	tools        *tools.Executor
-	conversation []llm.Message
-}
-
-// GetOrCreateSession gets or creates a session orchestrator
-func (o *Orchestrator) GetOrCreateSession(sessionID, tenantID, userID string) *SessionOrchestrator {
-	o.mu.RLock()
-	sess, ok := o.sessions[sessionID]
-	o.mu.RUnlock()
-
-	if ok {
-		return sess
-	}
-
-	o.mu.Lock()
-	defer o.mu.Unlock()
-
-	// Double-check
-	if sess, ok := o.sessions[sessionID]; ok {
-		return sess
-	}
-
-	ctx, cancel := context.WithCancel(context.Background())
-	sess = &SessionOrchestrator{
-		sessionID:    sessionID,
-		tenantID:     tenantID,
-		userID:       userID,
-		state:        StateIdle,
-		ctx:          ctx,
-		cancel:       cancel,
-		asr:          o.asr,
-		tts:          o.tts,
-		llm:          o.llm,
-		rag:          o.rag,
-		tools:        o.tools,
-		conversation: []llm.Message{},
-	}
-
-	o.sessions[sessionID] = sess
-	return sess
-}
-
-// ProcessAudio processes incoming audio
-func (so *SessionOrchestrator) ProcessAudio(ctx context.Context, audioData []byte) error {
-	so.mu.Lock()
-	currentState := so.state
-	so.mu.Unlock()
-
-	// Handle barge-in: if speaking, stop and switch to listening
-	if currentState == StateSpeaking {
-		so.StopSpeaking()
-	}
-
-	so.SetState(StateListening)
-
-	// Transcribe audio
-	transcript, err := so.asr.Transcribe(ctx, audioData)
-	if err != nil {
-		return fmt.Errorf("failed to transcribe: %w", err)
-	}
-
-	// Process transcript
-	so.SetState(StateThinking)
-	response, err := so.processTranscript(ctx, transcript)
-	if err != nil {
-		return fmt.Errorf("failed to process transcript: %w", err)
-	}
-
-	// Synthesize response
-	so.SetState(StateSpeaking)
-	return so.speak(ctx, response)
-}
-
-// ProcessText processes incoming text message
-func (so *SessionOrchestrator) ProcessText(ctx context.Context, text string) error {
-	so.SetState(StateThinking)
-
-	// Process text
-	response, err := so.processTranscript(ctx, text)
-	if err != nil {
-		return fmt.Errorf("failed to process text: %w", err)
-	}
-
-	// Synthesize response
-	so.SetState(StateSpeaking)
-	return so.speak(ctx, response)
-}
-
-// processTranscript processes a transcript and generates a response
-func (so *SessionOrchestrator) processTranscript(ctx context.Context, transcript string) (string, error) {
-	// Add user message to conversation
-	so.conversation = append(so.conversation, llm.Message{
-		Role:    "user",
-		Content: transcript,
-	})
-
-	// Retrieve relevant documents from RAG
-	var retrievedDocs []rag.RetrievedDoc
-	if so.rag != nil {
-		docs, err := so.rag.Retrieve(ctx, transcript, so.tenantID, 5)
-		if err == nil {
-			retrievedDocs = docs
-		}
-	}
-
-	// Build prompt with RAG context
-	// Convert retrieved docs to LLM format
-	ragDocs := make([]llm.RetrievedDoc, len(retrievedDocs))
-	for i, doc := range retrievedDocs {
-		ragDocs[i] = llm.RetrievedDoc{
-			Title:   doc.Title,
-			Content: doc.Content,
-			URL:     doc.URL,
-			Score:   doc.Score,
-		}
-	}
-
-	// Get available tools (would come from tenant config)
-	availableTools := []llm.Tool{} // TODO: Get from tenant config
-
-	// Call LLM
-	options := &llm.GenerateOptions{
-		Temperature:         0.7,
-		MaxTokens:           500,
-		Tools:               availableTools,
-		TenantID:            so.tenantID,
-		UserID:              so.userID,
-		ConversationHistory: so.conversation,
-	}
-
-	response, err := so.llm.Generate(ctx, transcript, options)
-	if err != nil {
-		return "", fmt.Errorf("failed to generate response: %w", err)
-	}
-
-	// Execute tool calls if any
-	if len(response.Tools) > 0 && so.tools != nil {
-		for _, toolCall := range response.Tools {
-			result, err := so.tools.Execute(ctx, toolCall.Name, toolCall.Arguments, so.userID, so.tenantID)
-			if err != nil {
-				// Log error but continue
-				fmt.Printf("Tool execution error: %v\n", err)
-				continue
-			}
-
-			// Add tool result to conversation
-			if result.Success {
-				so.conversation = append(so.conversation, llm.Message{
-					Role:    "assistant",
-					Content: fmt.Sprintf("Tool %s executed successfully: %v", toolCall.Name, result.Data),
-				})
-			}
-		}
-	}
-
-	// Add assistant response to conversation
-	so.conversation = append(so.conversation, llm.Message{
-		Role:    "assistant",
-		Content: response.Text,
-	})
-
-	return response.Text, nil
-}
-
-// speak synthesizes and plays audio
-func (so *SessionOrchestrator) speak(ctx context.Context, text string) error {
-	// Synthesize audio
-	audioData, err := so.tts.Synthesize(ctx, text)
-	if err != nil {
-		return fmt.Errorf("failed to synthesize: %w", err)
-	}
-
-	// Get visemes for avatar
-	visemes, err := so.tts.GetVisemes(ctx, text)
-	if err != nil {
-		// Log error but continue
-		fmt.Printf("Failed to get visemes: %v\n", err)
-	}
-
-	// TODO: Send audio and visemes to client via WebRTC/WebSocket
-	_ = audioData
-	_ = visemes
-
-	// Simulate speaking duration
-	time.Sleep(time.Duration(len(text)*50) * time.Millisecond)
-
-	so.SetState(StateIdle)
-	return nil
-}
-
-// StopSpeaking stops current speech (barge-in)
-func (so *SessionOrchestrator) StopSpeaking() {
-	so.mu.Lock()
-	defer so.mu.Unlock()
-
-	if so.state == StateSpeaking {
-		// Cancel current TTS synthesis
-		so.cancel()
-		ctx, cancel := context.WithCancel(context.Background())
-		so.ctx = ctx
-		so.cancel = cancel
-		so.state = StateIdle
-	}
-}
-
-// SetState sets the conversation state
-func (so *SessionOrchestrator) SetState(state State) {
-	so.mu.Lock()
-	defer so.mu.Unlock()
-	so.state = state
-}
-
-// GetState gets the current conversation state
-func (so *SessionOrchestrator) GetState() State {
-	so.mu.RLock()
-	defer so.mu.RUnlock()
-	return so.state
-}
-
-// Close closes the session orchestrator
-func (so *SessionOrchestrator) Close() {
-	so.cancel()
-}
diff --git a/virtual-banker/backend/rag/service.go b/virtual-banker/backend/rag/service.go
deleted file mode 100644
index 512a0f8..0000000
--- a/virtual-banker/backend/rag/service.go
+++ /dev/null
@@ -1,110 +0,0 @@
-package rag
-
-import (
-	"context"
-	"fmt"
-
-	"github.com/jackc/pgx/v5/pgxpool"
-)
-
-// Service provides RAG (Retrieval-Augmented Generation) functionality
-type Service interface {
-	Retrieve(ctx context.Context, query string, tenantID string, topK int) ([]RetrievedDoc, error)
-	Ingest(ctx context.Context, doc *Document) error
-}
-
-// RetrievedDoc represents a retrieved document
-type RetrievedDoc struct {
-	ID      string
-	Title   string
-	Content string
-	URL     string
-	Score   float64
-}
-
-// Document represents a document to be ingested
-type Document struct {
-	ID       string
-	TenantID string
-	Title    string
-	Content  string
-	URL      string
-	Metadata map[string]interface{}
-}
-
-// RAGService implements RAG using pgvector
-type RAGService struct {
-	db *pgxpool.Pool
-}
-
-// NewRAGService creates a new RAG service
-func NewRAGService(db *pgxpool.Pool) *RAGService {
-	return &RAGService{
-		db: db,
-	}
-}
-
-// Retrieve retrieves relevant documents
-func (s *RAGService) Retrieve(ctx context.Context, query string, tenantID string, topK int) ([]RetrievedDoc, error) {
-	if topK <= 0 {
-		topK = 5
-	}
-
-	// TODO: Generate embedding for query
-	// For now, use simple text search
-	querySQL := `
-		SELECT id, title, content, metadata->>'url' as url,
-			ts_rank(to_tsvector('english', content), plainto_tsquery('english', $1)) as score
-		FROM knowledge_base
-		WHERE tenant_id = $2
-		ORDER BY score DESC
-		LIMIT $3
-	`
-
-	rows, err := s.db.Query(ctx, querySQL, query, tenantID, topK)
-	if err != nil {
-		return nil, fmt.Errorf("failed to query: %w", err)
-	}
-	defer rows.Close()
-
-	var docs []RetrievedDoc
-	for rows.Next() {
-		var doc RetrievedDoc
-		var url *string
-		if err := rows.Scan(&doc.ID, &doc.Title, &doc.Content, &url, &doc.Score); err != nil {
-			continue
-		}
-		if url != nil {
-			doc.URL = *url
-		}
-		docs = append(docs, doc)
-	}
-
-	return docs, nil
-}
-
-// Ingest ingests a document into the knowledge base
-func (s *RAGService) Ingest(ctx context.Context, doc *Document) error {
-	// TODO: Generate embedding for document content
-	// For now, just insert without embedding
-	query := `
-		INSERT INTO knowledge_base (id, tenant_id, title, content, metadata)
-		VALUES ($1, $2, $3, $4, $5)
-		ON CONFLICT (id) DO UPDATE SET
-			title = $3,
-			content = $4,
-			metadata = $5,
-			updated_at = NOW()
-	`
-
-	metadata := map[string]interface{}{
-		"url": doc.URL,
-	}
-	for k, v := range doc.Metadata {
-		metadata[k] = v
-	}
-
-	_, err := s.db.Exec(ctx, query, doc.ID, doc.TenantID, doc.Title, doc.Content, metadata)
-	return err
-}
-
diff --git a/virtual-banker/backend/realtime/gateway.go b/virtual-banker/backend/realtime/gateway.go
deleted file mode 100644
index adac344..0000000
--- a/virtual-banker/backend/realtime/gateway.go
+++ /dev/null
@@ -1,198 +0,0 @@
-package realtime
-
-import (
-	"context"
-	"encoding/json"
-	"fmt"
-	"log"
-	"net/http"
-	"sync"
-	"time"
-
-	"github.com/gorilla/websocket"
-)
-
-var upgrader = websocket.Upgrader{
-	CheckOrigin: func(r *http.Request) bool {
-		// In production, validate origin properly
-		return true
-	},
-}
-
-// Gateway handles WebRTC signaling and WebSocket connections
-type Gateway struct {
-	connections map[string]*Connection
-	mu          sync.RWMutex
-}
-
-// NewGateway creates a new WebRTC gateway
-func NewGateway() *Gateway {
-	return &Gateway{
-		connections: make(map[string]*Connection),
-	}
-}
-
-// Connection represents a WebSocket connection for signaling
-type Connection struct {
-	sessionID string
-	ws        *websocket.Conn
-	send      chan []byte
-	ctx       context.Context
-	cancel    context.CancelFunc
-}
-
-// HandleWebSocket handles WebSocket upgrade for signaling
-func (g *Gateway) HandleWebSocket(w http.ResponseWriter, r *http.Request, sessionID string) error {
-	ws, err := upgrader.Upgrade(w, r, nil)
-	if err != nil {
-		return fmt.Errorf("failed to upgrade connection: %w", err)
-	}
-
-	ctx, cancel := context.WithCancel(r.Context())
-	conn := &Connection{
-		sessionID: sessionID,
-		ws:        ws,
-		send:      make(chan []byte, 256),
-		ctx:       ctx,
-		cancel:    cancel,
-	}
-
-	g.mu.Lock()
-	g.connections[sessionID] = conn
-	g.mu.Unlock()
-
-	// Start goroutines
-	go conn.writePump()
-	go conn.readPump(g)
-
-	return nil
-}
-
-// SendMessage sends a message to a specific session
-func (g *Gateway) SendMessage(sessionID string, message interface{}) error {
-	g.mu.RLock()
-	conn, ok := g.connections[sessionID]
-	g.mu.RUnlock()
-
-	if !ok {
-		return fmt.Errorf("connection not found for session: %s", sessionID)
-	}
-
-	data, err := json.Marshal(message)
-	if err != nil {
-		return fmt.Errorf("failed to marshal message: %w", err)
-	}
-
-	select {
-	case conn.send <- data:
-		return nil
-	case <-conn.ctx.Done():
-		return fmt.Errorf("connection closed")
-	}
-}
-
-// CloseConnection closes a connection
-func (g *Gateway) CloseConnection(sessionID string) {
-	g.mu.Lock()
-	defer g.mu.Unlock()
-
-	if conn, ok := g.connections[sessionID]; ok {
-		conn.cancel()
-		conn.ws.Close()
-		delete(g.connections, sessionID)
-	}
-}
-
-// readPump reads messages from the WebSocket
-func (c *Connection) readPump(gateway *Gateway) {
-	defer func() {
-		gateway.CloseConnection(c.sessionID)
-		c.ws.Close()
-	}()
-
-	c.ws.SetReadDeadline(time.Now().Add(60 * time.Second))
-	c.ws.SetPongHandler(func(string) error {
-		c.ws.SetReadDeadline(time.Now().Add(60 * time.Second))
-		return nil
-	})
-
-	for {
-		_, message, err := c.ws.ReadMessage()
-		if err != nil {
-			if websocket.IsUnexpectedCloseError(err, websocket.CloseGoingAway, websocket.CloseAbnormalClosure) {
-				log.Printf("WebSocket error: %v", err)
-			}
-			break
-		}
-
-		// Handle incoming message (ICE candidates, SDP offers/answers, etc.)
-		var msg map[string]interface{}
-		if err := json.Unmarshal(message, &msg); err != nil {
-			log.Printf("Failed to unmarshal message: %v", err)
-			continue
-		}
-
-		// Route message based on type
-		msgType, ok := msg["type"].(string)
-		if !ok {
-			continue
-		}
-
-		switch msgType {
-		case "ice-candidate":
-			// Handle ICE candidate
-		case "offer":
-			// Handle SDP offer
-		case "answer":
-			// Handle SDP answer
-		default:
-			log.Printf("Unknown message type: %s", msgType)
-		}
-	}
-}
-
-// writePump writes messages to the WebSocket
-func (c *Connection) writePump() {
-	ticker := time.NewTicker(54 * time.Second)
-	defer func() {
-		ticker.Stop()
-		c.ws.Close()
-	}()
-
-	for {
-		select {
-		case message, ok := <-c.send:
-			c.ws.SetWriteDeadline(time.Now().Add(10 * time.Second))
-			if !ok {
-				c.ws.WriteMessage(websocket.CloseMessage, []byte{})
-				return
-			}
-
-			w, err := c.ws.NextWriter(websocket.TextMessage)
-			if err != nil {
-				return
-			}
-			w.Write(message)
-
-			// Add queued messages
-			n := len(c.send)
-			for i := 0; i < n; i++ {
-				w.Write([]byte{'\n'})
-				w.Write(<-c.send)
-			}
-
-			if err := w.Close(); err != nil {
-				return
-			}
-
-		case <-ticker.C:
-			c.ws.SetWriteDeadline(time.Now().Add(10 * time.Second))
-			if err := c.ws.WriteMessage(websocket.PingMessage, nil); err != nil {
-				return
-			}
-
-		case <-c.ctx.Done():
-			return
-		}
-	}
-}
diff --git a/virtual-banker/backend/safety/filter.go b/virtual-banker/backend/safety/filter.go
deleted file mode 100644
index d0a229e..0000000
--- a/virtual-banker/backend/safety/filter.go
+++ /dev/null
@@ -1,68 +0,0 @@
-package safety
-
-import (
-	"context"
-	"strings"
-)
-
-// Filter filters content for safety
-type Filter interface {
-	Filter(ctx context.Context, text string) (*FilterResult, error)
-}
-
-// FilterResult contains filtering results
-type FilterResult struct {
-	Allowed    bool
-	Blocked    bool
-	Redacted   string
-	Categories []string // e.g., "profanity", "pii", "abuse"
-}
-
-// ContentFilter implements content filtering
-type ContentFilter struct {
-	blockedWords []string
-}
-
-// NewContentFilter creates a new content filter
-func NewContentFilter() *ContentFilter {
-	return &ContentFilter{
-		blockedWords: []string{
-			// Add blocked words/phrases
-		},
-	}
-}
-
-// Filter filters content
-func (f *ContentFilter) Filter(ctx context.Context, text string) (*FilterResult, error) {
-	lowerText := strings.ToLower(text)
-	var categories []string
-
-	// Check for blocked words
-	for _, word := range f.blockedWords {
-		if strings.Contains(lowerText, strings.ToLower(word)) {
-			categories = append(categories, "profanity")
-			return &FilterResult{
-				Allowed:    false,
-				Blocked:    true,
-				Redacted:   f.redactPII(text),
-				Categories: categories,
-			}, nil
-		}
-	}
-
-	// TODO: Add more sophisticated filtering (ML models, etc.)
-
-	return &FilterResult{
-		Allowed:  true,
-		Blocked:  false,
-		Redacted: f.redactPII(text),
-	}, nil
-}
-
-// redactPII redacts personally identifiable information
-func (f *ContentFilter) redactPII(text string) string {
-	// TODO: Implement PII detection and redaction
-	// For now, return as-is
-	return text
-}
-
diff --git a/virtual-banker/backend/safety/rate_limit.go b/virtual-banker/backend/safety/rate_limit.go
deleted file mode 100644
index daab616..0000000
--- a/virtual-banker/backend/safety/rate_limit.go
+++ /dev/null
@@ -1,59 +0,0 @@
-package safety
-
-import (
-	"context"
-	"fmt"
-	"time"
-
-	"github.com/redis/go-redis/v9"
-)
-
-// RateLimiter implements rate limiting
-type RateLimiter struct {
-	redis *redis.Client
-}
-
-// NewRateLimiter creates a new rate limiter
-func NewRateLimiter(redisClient *redis.Client) *RateLimiter {
-	return &RateLimiter{
-		redis: redisClient,
-	}
-}
-
-// Check checks if a request is within rate limits
-func (r *RateLimiter) Check(ctx context.Context, key string, limit int, window time.Duration) (bool, error) {
-	// Use sliding window log algorithm
-	now := time.Now()
-	windowStart := now.Add(-window)
-
-	// Count requests in window
-	count, err := r.redis.ZCount(ctx, key, fmt.Sprintf("%d", windowStart.Unix()), fmt.Sprintf("%d", now.Unix())).Result()
-	if err != nil {
-		return false, err
-	}
-
-	if count >= int64(limit) {
-		return false, nil
-	}
-
-	// Add current request
-	_, err = r.redis.ZAdd(ctx, key, redis.Z{
-		Score:  float64(now.Unix()),
-		Member: fmt.Sprintf("%d", now.UnixNano()),
-	}).Result()
-	if err != nil {
-		return false, err
-	}
-
-	// Expire old entries
-	r.redis.Expire(ctx, key, window)
-
-	return true, nil
-}
-
-// CheckUser checks rate limit for a user
-func (r *RateLimiter) CheckUser(ctx context.Context, tenantID, userID string, limit int, window time.Duration) (bool, error) {
-	key := fmt.Sprintf("ratelimit:user:%s:%s", tenantID, userID)
-	return r.Check(ctx, key, limit, window)
-}
-
diff --git a/virtual-banker/backend/session/session.go b/virtual-banker/backend/session/session.go
deleted file mode 100644
index 7be9186..0000000
--- a/virtual-banker/backend/session/session.go
+++ /dev/null
@@ -1,316 +0,0 @@
-package session
-
-import (
-	"context"
-	"crypto/rand"
-	"encoding/base64"
-	"errors"
-	"fmt"
-	"time"
-
-	"github.com/jackc/pgx/v5/pgxpool"
-	"github.com/redis/go-redis/v9"
-)
-
-// Session represents a Virtual Banker session
-type Session struct {
-	ID             string
-	TenantID       string
-	UserID         string
-	EphemeralToken string
-	Config         *TenantConfig
-	CreatedAt      time.Time
-	ExpiresAt      time.Time
-	LastActivityAt time.Time
-}
-
-// TenantConfig holds tenant-specific configuration
-type TenantConfig struct {
-	Theme         map[string]interface{} `json:"theme"`
-	AvatarEnabled bool                   `json:"avatar_enabled"`
-	Greeting      string                 `json:"greeting"`
-	AllowedTools  []string               `json:"allowed_tools"`
-	Policy        *PolicyConfig          `json:"policy"`
-}
-
-// PolicyConfig holds policy settings
-type PolicyConfig struct {
-	MaxSessionDuration time.Duration `json:"max_session_duration"`
-	RateLimitPerMinute int           `json:"rate_limit_per_minute"`
-	RequireConsent     bool          `json:"require_consent"`
-}
-
-// Manager manages sessions
-type Manager struct {
-	db    *pgxpool.Pool
-	redis *redis.Client
-}
-
-// NewManager creates a new session manager
-func NewManager(db *pgxpool.Pool, redisClient *redis.Client) *Manager {
-	return &Manager{
-		db:    db,
-		redis: redisClient,
-	}
-}
-
-// CreateSession creates a new session
-func (m *Manager) CreateSession(ctx context.Context, tenantID, userID string, authAssertion string) (*Session, error) {
-	// Validate JWT/auth assertion (simplified - should validate with tenant JWKs)
-	if authAssertion == "" {
-		return nil, errors.New("auth assertion required")
-	}
-
-	// Load tenant config
-	config, err := m.loadTenantConfig(ctx, tenantID)
-	if err != nil {
-		return nil, fmt.Errorf("failed to load tenant config: %w", err)
-	}
-
-	// Generate session ID
-	sessionID, err := generateSessionID()
-	if err != nil {
-		return nil, fmt.Errorf("failed to generate session ID: %w", err)
-	}
-
-	// Generate ephemeral token
-	ephemeralToken, err := generateEphemeralToken()
-	if err != nil {
-		return nil, fmt.Errorf("failed to generate ephemeral token: %w", err)
-	}
-
-	now := time.Now()
-	sessionDuration := config.Policy.MaxSessionDuration
-	if sessionDuration == 0 {
-		sessionDuration = 30 * time.Minute // default
-	}
-
-	session := &Session{
-		ID:             sessionID,
-		TenantID:       tenantID,
-		UserID:         userID,
-		EphemeralToken: ephemeralToken,
-		Config:         config,
-		CreatedAt:      now,
-		ExpiresAt:      now.Add(sessionDuration),
-		LastActivityAt: now,
-	}
-
-	// Save to database
-	if err := m.saveSessionToDB(ctx, session); err != nil {
-		return nil, fmt.Errorf("failed to save session: %w", err)
-	}
-
-	// Cache in Redis
-	if err := m.cacheSession(ctx, session); err != nil {
-		return nil, fmt.Errorf("failed to cache session: %w", err)
-	}
-
-	return session, nil
-}
-
-// GetSession retrieves a session by ID
-func (m *Manager) GetSession(ctx context.Context, sessionID string) (*Session, error) {
-	// Try Redis first
-	session, err := m.getSessionFromCache(ctx, sessionID)
-	if err == nil && session != nil {
-		return session, nil
-	}
-
-	// Fallback to database
-	session, err = m.getSessionFromDB(ctx, sessionID)
-	if err != nil {
-		return nil, fmt.Errorf("session not found: %w", err)
-	}
-
-	// Cache it
-	_ = m.cacheSession(ctx, session)
-
-	return session, nil
-}
-
-// RefreshToken refreshes the ephemeral token for a session
-func (m *Manager) RefreshToken(ctx context.Context, sessionID string) (string, error) {
-	session, err := m.GetSession(ctx, sessionID)
-	if err != nil {
-		return "", err
-	}
-
-	// Check if session is expired
-	if time.Now().After(session.ExpiresAt) {
-		return "", errors.New("session expired")
-	}
-
-	// Generate new token
-	newToken, err := generateEphemeralToken()
-	if err != nil {
-		return "", fmt.Errorf("failed to generate token: %w", err)
-	}
-
-	session.EphemeralToken = newToken
-	session.LastActivityAt = time.Now()
-
-	// Update in database and cache
-	if err := m.saveSessionToDB(ctx, session); err != nil {
-		return "", fmt.Errorf("failed to update session: %w", err)
-	}
-	_ = m.cacheSession(ctx, session)
-
-	return newToken, nil
-}
-
-// EndSession ends a session
-func (m *Manager) EndSession(ctx context.Context, sessionID string) error {
-	// Remove from Redis
-	_ = m.redis.Del(ctx, fmt.Sprintf("session:%s", sessionID))
-
-	// Mark as ended in database
-	query := `UPDATE sessions SET ended_at = $1 WHERE id = $2`
-	_, err := m.db.Exec(ctx, query, time.Now(), sessionID)
-	return err
-}
-
-// loadTenantConfig loads tenant configuration
-func (m *Manager) loadTenantConfig(ctx context.Context, tenantID string) (*TenantConfig, error) {
-	query := `
-		SELECT theme, avatar_enabled, greeting, allowed_tools, policy
-		FROM tenants
-		WHERE id = $1
-	`
-
-	var config TenantConfig
-	var themeJSON, policyJSON []byte
-	var allowedToolsJSON []byte
-
-	err := m.db.QueryRow(ctx, query, tenantID).Scan(
-		&themeJSON,
-		&config.AvatarEnabled,
-		&config.Greeting,
-		&allowedToolsJSON,
-		&policyJSON,
-	)
-	if err != nil {
-		// Return default config if tenant not found
-		return &TenantConfig{
-			Theme:         map[string]interface{}{"primaryColor": "#0066cc"},
-			AvatarEnabled: true,
-			Greeting:      "Hello! How can I help you today?",
-			AllowedTools:  []string{},
-			Policy: &PolicyConfig{
-				MaxSessionDuration: 30 * time.Minute,
-				RateLimitPerMinute: 10,
-				RequireConsent:     true,
-			},
-		}, nil
-	}
-
-	// Parse JSON fields (simplified - should use json.Unmarshal)
-	// For now, return default with basic parsing
-	config.Policy = &PolicyConfig{
-		MaxSessionDuration: 30 * time.Minute,
-		RateLimitPerMinute: 10,
-		RequireConsent:     true,
-	}
-
-	return &config, nil
-}
-
-// saveSessionToDB saves session to database
-func (m *Manager) saveSessionToDB(ctx context.Context, session *Session) error {
-	query := `
-		INSERT INTO sessions (id, tenant_id, user_id, ephemeral_token, created_at, expires_at, last_activity_at)
-		VALUES ($1, $2, $3, $4, $5, $6, $7)
-		ON CONFLICT (id) DO UPDATE SET
-			ephemeral_token = $4,
-			last_activity_at = $7
-	`
-
-	_, err := m.db.Exec(ctx, query,
-		session.ID,
-		session.TenantID,
-		session.UserID,
-		session.EphemeralToken,
-		session.CreatedAt,
-		session.ExpiresAt,
-		session.LastActivityAt,
-	)
-	return err
-}
-
-// getSessionFromDB retrieves session from database
-func (m *Manager) getSessionFromDB(ctx context.Context, sessionID string) (*Session, error) {
-	query := `
-		SELECT id, tenant_id, user_id, ephemeral_token, created_at, expires_at, last_activity_at
-		FROM sessions
-		WHERE id = $1 AND ended_at IS NULL
-	`
-
-	var session Session
-	err := m.db.QueryRow(ctx, query, sessionID).Scan(
-		&session.ID,
-		&session.TenantID,
-		&session.UserID,
-		&session.EphemeralToken,
-		&session.CreatedAt,
-		&session.ExpiresAt,
-		&session.LastActivityAt,
-	)
-	if err != nil {
-		return nil, err
-	}
-
-	// Load config
-	config, err := m.loadTenantConfig(ctx, session.TenantID)
-	if err != nil {
-		return nil, err
-	}
-	session.Config = config
-
-	return &session, nil
-}
-
-// cacheSession caches session in Redis
-func (m *Manager) cacheSession(ctx context.Context, session *Session) error {
-	key := fmt.Sprintf("session:%s", session.ID)
-	ttl := time.Until(session.ExpiresAt)
-	if ttl <= 0 {
-		return nil
-	}
-
-	// Store as JSON (simplified - should serialize properly)
-	return m.redis.Set(ctx, key, session.ID, ttl).Err()
-}
-
-// getSessionFromCache retrieves session from Redis cache
-func (m *Manager) getSessionFromCache(ctx context.Context, sessionID string) (*Session, error) {
-	key := fmt.Sprintf("session:%s", sessionID)
-	val, err := m.redis.Get(ctx, key).Result()
-	if err != nil {
-		return nil, err
-	}
-
-	if val != sessionID {
-		return nil, errors.New("cache mismatch")
-	}
-
-	// If cached, fetch full session from DB
-	return m.getSessionFromDB(ctx, sessionID)
-}
-
-// generateSessionID generates a unique session ID
-func generateSessionID() (string, error) {
-	b := make([]byte, 16)
-	if _, err := rand.Read(b); err != nil {
-		return "", err
-	}
-	return base64.URLEncoding.EncodeToString(b), nil
-}
-
-// generateEphemeralToken generates an ephemeral token
-func generateEphemeralToken() (string, error) {
-	b := make([]byte, 32)
-	if _, err := rand.Read(b); err != nil {
-		return "", err
-	}
-	return base64.URLEncoding.EncodeToString(b), nil
-}
diff --git a/virtual-banker/backend/tools/banking/account_status.go b/virtual-banker/backend/tools/banking/account_status.go
deleted file mode 100644
index f9c43ec..0000000
--- a/virtual-banker/backend/tools/banking/account_status.go
+++ /dev/null
@@ -1,68 +0,0 @@
-package banking
-
-import (
-	"context"
-
-	"github.com/explorer/virtual-banker/backend/tools"
-)
-
-// AccountStatusTool gets account status
-type AccountStatusTool struct {
-	client *BankingClient
-}
-
-// NewAccountStatusTool creates a new account status tool
-func NewAccountStatusTool() *AccountStatusTool {
-	return &AccountStatusTool{
-		client: NewBankingClient(getBankingAPIURL()),
-	}
-}
-
-// getBankingAPIURL gets the banking API URL from environment
-func getBankingAPIURL() string {
-	// Default to main API URL
-	return "http://localhost:8080"
-}
-
-// Name returns the tool name
-func (t *AccountStatusTool) Name() string {
-	return "get_account_status"
-}
-
-// Description returns the tool description
-func (t *AccountStatusTool) Description() string {
-	return "Get the status of a bank account including balance, transactions, and account details"
-}
-
-// Execute executes the tool
-func (t *AccountStatusTool) Execute(ctx context.Context, params map[string]interface{}) (*tools.ToolResult, error) {
-	accountID, ok := params["account_id"].(string)
-	if !ok || accountID == "" {
-		return &tools.ToolResult{
-			Success: false,
-			Error:   "account_id is required",
-		}, nil
-	}
-
-	// Call banking service
-	data, err := t.client.GetAccountStatus(ctx, accountID)
-	if err != nil {
-		// Fallback to mock data if service unavailable
-		return &tools.ToolResult{
-			Success: true,
-			Data: map[string]interface{}{
-				"account_id": accountID,
-				"balance":    10000.00,
-				"currency":   "USD",
-				"status":     "active",
-				"type":       "checking",
-				"note":       "Using fallback data - banking service unavailable",
-			},
-		}, nil
-	}
-
-	return &tools.ToolResult{
-		Success: true,
-		Data:    data,
-	}, nil
-}
diff --git a/virtual-banker/backend/tools/banking/create_ticket.go b/virtual-banker/backend/tools/banking/create_ticket.go
deleted file mode 100644
index d9d09d8..0000000
--- a/virtual-banker/backend/tools/banking/create_ticket.go
+++ /dev/null
@@ -1,66 +0,0 @@
-package banking
-
-import (
-	"context"
-	"fmt"
-
-	"github.com/explorer/virtual-banker/backend/tools"
-)
-
-// CreateTicketTool creates a support ticket
-type CreateTicketTool struct {
-	client *BankingClient
-}
-
-// NewCreateTicketTool creates a new create ticket tool
-func NewCreateTicketTool() *CreateTicketTool {
-	return &CreateTicketTool{
-		client: NewBankingClient(getBankingAPIURL()),
-	}
-}
-
-// Name returns the tool name
-func (t *CreateTicketTool) Name() string {
-	return "create_support_ticket"
-}
-
-// Description returns the tool description
-func (t *CreateTicketTool) Description() string {
-	return "Create a support ticket for customer service"
-}
-
-// Execute executes the tool
-func (t *CreateTicketTool) Execute(ctx context.Context, params map[string]interface{}) (*tools.ToolResult, error) {
-	subject, _ := params["subject"].(string)
-	details, _ := params["details"].(string)
-
-	if subject == "" {
-		return &tools.ToolResult{
-			Success: false,
-			Error:   "subject is required",
-		}, nil
-	}
-
-	// Call banking service
-	data, err := t.client.CreateTicket(ctx, subject, details)
-	if err != nil {
-		// Fallback to mock data if service unavailable
-		return &tools.ToolResult{
-			Success: true,
-			Data: map[string]interface{}{
-				"ticket_id": fmt.Sprintf("TKT-%d", 12345),
-				"subject":   subject,
-				"status":    "open",
-				"note":      "Using fallback data - banking service unavailable",
-			},
-			RequiresConfirmation: false,
-		}, nil
-	}
-
-	return &tools.ToolResult{
-		Success: true,
-		Data:    data,
-		RequiresConfirmation: false,
-	}, nil
-}
-
diff --git a/virtual-banker/backend/tools/banking/integration.go b/virtual-banker/backend/tools/banking/integration.go
deleted file mode 100644
index 2a59f03..0000000
--- a/virtual-banker/backend/tools/banking/integration.go
+++ /dev/null
@@ -1,91 +0,0 @@
-package banking
-
-import (
-	"bytes"
-	"context"
-	"encoding/json"
-	"fmt"
-	"net/http"
-	"time"
-)
-
-// BankingClient provides access to backend banking services
-type BankingClient struct {
-	baseURL    string
-	httpClient *http.Client
-}
-
-// NewBankingClient creates a new banking client
-func NewBankingClient(baseURL string) *BankingClient {
-	return &BankingClient{
-		baseURL: baseURL,
-		httpClient: &http.Client{
-			Timeout: 10 * time.Second,
-		},
-	}
-}
-
-// GetAccountStatus gets account status from banking service
-func (c *BankingClient) GetAccountStatus(ctx context.Context, accountID string) (map[string]interface{}, error) {
-	url := fmt.Sprintf("%s/api/v1/banking/accounts/%s", c.baseURL, accountID)
-
-	req, err := http.NewRequestWithContext(ctx, "GET", url, nil)
-	if err != nil {
-		return nil, err
-	}
-
-	resp, err := c.httpClient.Do(req)
-	if err != nil {
-		return nil, err
-	}
-	defer resp.Body.Close()
-
-	if resp.StatusCode != http.StatusOK {
-		return nil, fmt.Errorf("unexpected status: %d", resp.StatusCode)
-	}
-
-	var result map[string]interface{}
-	if err := json.NewDecoder(resp.Body).Decode(&result); err != nil {
-		return nil, err
-	}
-
-	return result, nil
-}
-
-// CreateTicket creates a support ticket
-func (c *BankingClient) CreateTicket(ctx context.Context, subject, details string) (map[string]interface{}, error) {
-	url := fmt.Sprintf("%s/api/v1/banking/tickets", c.baseURL)
-
-	payload := map[string]string{
-		"subject": subject,
-		"details": details,
-	}
-
-	jsonData, err := json.Marshal(payload)
-	if err != nil {
-		return nil, err
-	}
-
-	req, err := http.NewRequestWithContext(ctx, "POST", url, bytes.NewBuffer(jsonData))
-	if err != nil {
-		return nil, err
-	}
-	req.Header.Set("Content-Type", "application/json")
-
-	resp, err := c.httpClient.Do(req)
-	if err != nil {
-		return nil, err
-	}
-	defer resp.Body.Close()
-
-	if resp.StatusCode != http.StatusCreated {
-		return nil, fmt.Errorf("unexpected status: %d", resp.StatusCode)
-	}
-
-	var result map[string]interface{}
-	if err := json.NewDecoder(resp.Body).Decode(&result); err != nil {
-		return nil, err
-	}
-
-	return result, nil
-}
diff --git a/virtual-banker/backend/tools/banking/payment.go b/virtual-banker/backend/tools/banking/payment.go
deleted file mode 100644
index 5dff6a5..0000000
--- a/virtual-banker/backend/tools/banking/payment.go
+++ /dev/null
@@ -1,60 +0,0 @@
-package banking
-
-import (
-	"context"
-
-	"github.com/explorer/virtual-banker/backend/tools"
-)
-
-// SubmitPaymentTool submits a payment
-type SubmitPaymentTool struct{}
-
-// NewSubmitPaymentTool creates a new submit payment tool
-func NewSubmitPaymentTool() *SubmitPaymentTool {
-	return &SubmitPaymentTool{}
-}
-
-// Name returns the tool name
-func (t *SubmitPaymentTool) Name() string {
-	return "submit_payment"
-}
-
-// Description returns the tool description
-func (t *SubmitPaymentTool) Description() string {
-	return "Submit a payment transaction (requires confirmation)"
-}
-
-// Execute executes the tool
-func (t *SubmitPaymentTool) Execute(ctx context.Context, params map[string]interface{}) (*tools.ToolResult, error) {
-	amount, _ := params["amount"].(float64)
-	method, _ := params["method"].(string)
-
-	if amount <= 0 {
-		return &tools.ToolResult{
-			Success: false,
-			Error:   "amount must be greater than 0",
-		}, nil
-	}
-
-	if method == "" {
-		return &tools.ToolResult{
-			Success: false,
-			Error:   "payment method is required",
-		}, nil
-	}
-
-	// TODO: Call backend/banking/payments/ service
-	// For now, return mock data
-	return &tools.ToolResult{
-		Success: true,
-		Data: map[string]interface{}{
-			"payment_id":     "PAY-11111",
-			"amount":         amount,
-			"method":         method,
-			"status":         "pending_confirmation",
-			"transaction_id": "TXN-22222",
-		},
-		RequiresConfirmation: true, // Payments always require confirmation
-	}, nil
-}
-
diff --git a/virtual-banker/backend/tools/banking/schedule.go b/virtual-banker/backend/tools/banking/schedule.go
deleted file mode 100644
index 5b068d3..0000000
--- a/virtual-banker/backend/tools/banking/schedule.go
+++ /dev/null
@@ -1,62 +0,0 @@
-package banking
-
-import (
-	"context"
-	"time"
-
-	"github.com/explorer/virtual-banker/backend/tools"
-)
-
-// ScheduleAppointmentTool schedules an appointment
-type ScheduleAppointmentTool struct{}
-
-// NewScheduleAppointmentTool creates a new schedule appointment tool
-func NewScheduleAppointmentTool() *ScheduleAppointmentTool {
-	return &ScheduleAppointmentTool{}
-}
-
-// Name returns the tool name
-func (t *ScheduleAppointmentTool) Name() string {
-	return "schedule_appointment"
-}
-
-// Description returns the tool description
-func (t *ScheduleAppointmentTool) Description() string {
-	return "Schedule an appointment with a bank representative"
-}
-
-// Execute executes the tool
-func (t *ScheduleAppointmentTool) Execute(ctx context.Context, params map[string]interface{}) (*tools.ToolResult, error) {
-	datetime, _ := params["datetime"].(string)
-	reason, _ := params["reason"].(string)
-
-	if datetime == "" {
-		return &tools.ToolResult{
-			Success: false,
-			Error:   "datetime is required",
-		}, nil
-	}
-
-	// Parse datetime
-	_, err := time.Parse(time.RFC3339, datetime)
-	if err != nil {
-		return &tools.ToolResult{
-			Success: false,
-			Error:   "invalid datetime format (use RFC3339)",
-		}, nil
-	}
-
-	// TODO: Call backend/banking/ service to schedule appointment
-	// For now, return mock data
-	return &tools.ToolResult{
-		Success: true,
-		Data: map[string]interface{}{
-			"appointment_id": "APT-67890",
-			"datetime":       datetime,
-			"reason":         reason,
-			"status":         "scheduled",
-		},
-		RequiresConfirmation: true, // Appointments require confirmation
-	}, nil
-}
-
diff --git a/virtual-banker/backend/tools/executor.go b/virtual-banker/backend/tools/executor.go
deleted file mode 100644
index 3130490..0000000
--- a/virtual-banker/backend/tools/executor.go
+++ /dev/null
@@ -1,89 +0,0 @@
-package tools
-
-import (
-	"context"
-	"fmt"
-)
-
-// Executor executes tools
-type Executor struct {
-	registry *Registry
-	auditLog AuditLogger
-}
-
-// NewExecutor creates a new tool executor
-func NewExecutor(registry *Registry, auditLog AuditLogger) *Executor {
-	return &Executor{
-		registry: registry,
-		auditLog: auditLog,
-	}
-}
-
-// Execute executes a tool
-func (e *Executor) Execute(ctx context.Context, toolName string, params map[string]interface{}, userID, tenantID string) (*ToolResult, error) {
-	tool, err := e.registry.Get(toolName)
-	if err != nil {
-		return nil, err
-	}
-
-	// Log execution attempt
-	e.auditLog.LogToolExecution(ctx, &ToolExecutionLog{
-		ToolName:  toolName,
-		UserID:    userID,
-		TenantID:  tenantID,
-		Params:    params,
-		Status:    "executing",
-	})
-
-	// Execute tool
-	result, err := tool.Execute(ctx, params)
-	if err != nil {
-		e.auditLog.LogToolExecution(ctx, &ToolExecutionLog{
-			ToolName: toolName,
-			UserID:   userID,
-			TenantID: tenantID,
-			Params:   params,
-			Status:   "failed",
-			Error:    err.Error(),
-		})
-		return nil, err
-	}
-
-	// Log result
-	e.auditLog.LogToolExecution(ctx, &ToolExecutionLog{
-		ToolName: toolName,
-		UserID:   userID,
-		TenantID: tenantID,
-		Params:   params,
-		Status:   "completed",
-		Result:   result.Data,
-	})
-
-	return result, nil
-}
-
-// AuditLogger logs tool executions
-type AuditLogger interface {
-	LogToolExecution(ctx context.Context, log *ToolExecutionLog)
-}
-
-// ToolExecutionLog represents a tool execution log entry
-type ToolExecutionLog struct {
-	ToolName string
-	UserID   string
-	TenantID string
-	Params   map[string]interface{}
-	Status   string
-	Error    string
-	Result   interface{}
-}
-
-// MockAuditLogger is a mock audit logger
-type MockAuditLogger struct{}
-
-// LogToolExecution logs a tool execution
-func (m *MockAuditLogger) LogToolExecution(ctx context.Context, log *ToolExecutionLog) {
-	// Mock implementation - in production, write to database
-	fmt.Printf("Tool execution: %s by %s (%s) - %s\n", log.ToolName, log.UserID, log.TenantID, log.Status)
-}
-
diff --git a/virtual-banker/backend/tools/registry.go b/virtual-banker/backend/tools/registry.go
deleted file mode 100644
index d3dbcdd..0000000
--- a/virtual-banker/backend/tools/registry.go
+++ /dev/null
@@ -1,73 +0,0 @@
-package tools
-
-import (
-	"context"
-	"fmt"
-)
-
-// Tool represents an executable tool
-type Tool interface {
-	Name() string
-	Description() string
-	Execute(ctx context.Context, params map[string]interface{}) (*ToolResult, error)
-}
-
-// ToolResult represents the result of tool execution
-type ToolResult struct {
-	Success bool
-	Data    interface{}
-	Error   string
-	RequiresConfirmation bool
-}
-
-// Registry manages available tools
-type Registry struct {
-	tools map[string]Tool
-}
-
-// NewRegistry creates a new tool registry
-func NewRegistry() *Registry {
-	return &Registry{
-		tools: make(map[string]Tool),
-	}
-}
-
-// Register registers a tool
-func (r *Registry) Register(tool Tool) {
-	r.tools[tool.Name()] = tool
-}
-
-// Get gets a tool by name
-func (r *Registry) Get(name string) (Tool, error) {
-	tool, ok := r.tools[name]
-	if !ok {
-		return nil, fmt.Errorf("tool not found: %s", name)
-	}
-	return tool, nil
-}
-
-// List returns all registered tools
-func (r *Registry) List() []Tool {
-	tools := make([]Tool, 0, len(r.tools))
-	for _, tool := range r.tools {
-		tools = append(tools, tool)
-	}
-	return tools
-}
-
-// GetAllowedTools returns tools allowed for a tenant
-func (r *Registry) GetAllowedTools(allowedNames []string) []Tool {
-	allowedSet := make(map[string]bool)
-	for _, name := range allowedNames {
-		allowedSet[name] = true
-	}
-
-	var tools []Tool
-	for _, tool := range r.tools {
-		if allowedSet[tool.Name()] {
-			tools = append(tools, tool)
-		}
-	}
-	return tools
-}
-
diff --git a/virtual-banker/backend/tts/elevenlabs-adapter.go b/virtual-banker/backend/tts/elevenlabs-adapter.go
deleted file mode 100644
index 2fb2948..0000000
--- a/virtual-banker/backend/tts/elevenlabs-adapter.go
+++ /dev/null
@@ -1,329 +0,0 @@
-package tts
-
-import (
-	"bytes"
-	"context"
-	"encoding/json"
-	"fmt"
-	"io"
-	"net/http"
-	"strings"
-	"time"
-)
-
-// ElevenLabsTTSService integrates with ElevenLabs TTS API
-type ElevenLabsTTSService struct {
-	apiKey      string
-	voiceID     string
-	modelID     string
-	baseURL     string
-	httpClient  *http.Client
-	defaultVoiceConfig *VoiceConfig
-}
-
-// VoiceConfig holds ElevenLabs voice configuration
-type VoiceConfig struct {
-	Stability       float64 `json:"stability"`
-	SimilarityBoost float64 `json:"similarity_boost"`
-	Style           float64 `json:"style,omitempty"`
-	UseSpeakerBoost bool    `json:"use_speaker_boost,omitempty"`
-}
-
-// ElevenLabsRequest represents the request body for ElevenLabs API
-type ElevenLabsRequest struct {
-	Text      string       `json:"text"`
-	ModelID   string       `json:"model_id,omitempty"`
-	VoiceSettings VoiceConfig `json:"voice_settings,omitempty"`
-}
-
-// NewElevenLabsTTSService creates a new ElevenLabs TTS service
-func NewElevenLabsTTSService(apiKey, voiceID string) *ElevenLabsTTSService {
-	return &ElevenLabsTTSService{
-		apiKey:  apiKey,
-		voiceID: voiceID,
-		modelID: "eleven_multilingual_v2", // Default model
-		baseURL: "https://api.elevenlabs.io/v1",
-		httpClient: &http.Client{
-			Timeout: 30 * time.Second,
-		},
-		defaultVoiceConfig: &VoiceConfig{
-			Stability:       0.5,
-			SimilarityBoost: 0.75,
-			UseSpeakerBoost: true,
-		},
-	}
-}
-
-// SetModelID sets the model ID for synthesis
-func (s *ElevenLabsTTSService) SetModelID(modelID string) {
-	s.modelID = modelID
-}
-
-// SetVoiceConfig sets the default voice configuration
-func (s *ElevenLabsTTSService) SetVoiceConfig(config *VoiceConfig) {
-	s.defaultVoiceConfig = config
-}
-
-// Synthesize synthesizes text to audio using ElevenLabs REST API
-func (s *ElevenLabsTTSService) Synthesize(ctx context.Context, text string) ([]byte, error) {
-	return s.SynthesizeWithConfig(ctx, text, s.defaultVoiceConfig)
-}
-
-// SynthesizeWithConfig synthesizes text to audio with custom voice configuration
-func (s *ElevenLabsTTSService) SynthesizeWithConfig(ctx context.Context, text string, config *VoiceConfig) ([]byte, error) {
-	if s.apiKey == "" {
-		return nil, fmt.Errorf("ElevenLabs API key not configured")
-	}
-	if s.voiceID == "" {
-		return nil, fmt.Errorf("ElevenLabs voice ID not configured")
-	}
-	if text == "" {
-		return nil, fmt.Errorf("text cannot be empty")
-	}
-
-	// Use default config if none provided
-	if config == nil {
-		config = s.defaultVoiceConfig
-	}
-
-	// Prepare request body
-	reqBody := ElevenLabsRequest{
-		Text:      text,
-		ModelID:   s.modelID,
-		VoiceSettings: *config,
-	}
-
-	jsonBody, err := json.Marshal(reqBody)
-	if err != nil {
-		return nil, fmt.Errorf("failed to marshal request: %w", err)
-	}
-
-	// Build request URL
-	url := fmt.Sprintf("%s/text-to-speech/%s", s.baseURL, s.voiceID)
-
-	// Create HTTP request
-	req, err := http.NewRequestWithContext(ctx, "POST", url, bytes.NewBuffer(jsonBody))
-	if err != nil {
-		return nil, fmt.Errorf("failed to create request: %w", err)
-	}
-
-	req.Header.Set("Accept", "audio/mpeg")
-	req.Header.Set("Content-Type", "application/json")
-	req.Header.Set("xi-api-key", s.apiKey)
-
-	// Execute request with retry logic
-	var resp *http.Response
-	maxRetries := 3
-	for i := 0; i < maxRetries; i++ {
-		resp, err = s.httpClient.Do(req)
-		if err == nil && resp.StatusCode == http.StatusOK {
-			break
-		}
-		
-		if err != nil {
-			if i < maxRetries-1 {
-				// Exponential backoff
-				backoff := time.Duration(i+1) * time.Second
-				time.Sleep(backoff)
-				continue
-			}
-			return nil, fmt.Errorf("failed to call ElevenLabs API after %d retries: %w", maxRetries, err)
-		}
-
-		if resp.StatusCode != http.StatusOK {
-			resp.Body.Close()
-			bodyBytes, _ := io.ReadAll(bytes.NewReader([]byte{}))
-			if resp.Body != nil {
-				bodyBytes, _ = io.ReadAll(resp.Body)
-			}
-			
-			// Retry on 5xx errors
-			if resp.StatusCode >= 500 && i < maxRetries-1 {
-				backoff := time.Duration(i+1) * time.Second
-				time.Sleep(backoff)
-				continue
-			}
-			
-			return nil, fmt.Errorf("ElevenLabs API error: status %d, body: %s", resp.StatusCode, string(bodyBytes))
-		}
-	}
-	defer resp.Body.Close()
-
-	// Read audio data
-	audioData, err := io.ReadAll(resp.Body)
-	if err != nil {
-		return nil, fmt.Errorf("failed to read audio data: %w", err)
-	}
-
-	return audioData, nil
-}
-
-// SynthesizeStream synthesizes text to audio using ElevenLabs streaming API
-func (s *ElevenLabsTTSService) SynthesizeStream(ctx context.Context, text string) (io.Reader, error) {
-	return s.SynthesizeStreamWithConfig(ctx, text, s.defaultVoiceConfig)
-}
-
-// SynthesizeStreamWithConfig synthesizes text to audio stream with custom voice configuration
-func (s *ElevenLabsTTSService) SynthesizeStreamWithConfig(ctx context.Context, text string, config *VoiceConfig) (io.Reader, error) {
-	if s.apiKey == "" {
-		return nil, fmt.Errorf("ElevenLabs API key not configured")
-	}
-	if s.voiceID == "" {
-		return nil, fmt.Errorf("ElevenLabs voice ID not configured")
-	}
-	if text == "" {
-		return nil, fmt.Errorf("text cannot be empty")
-	}
-
-	// Use default config if none provided
-	if config == nil {
-		config = s.defaultVoiceConfig
-	}
-
-	// Prepare request body
-	reqBody := ElevenLabsRequest{
-		Text:      text,
-		ModelID:   s.modelID,
-		VoiceSettings: *config,
-	}
-
-	jsonBody, err := json.Marshal(reqBody)
-	if err != nil {
-		return nil, fmt.Errorf("failed to marshal request: %w", err)
-	}
-
-	// Build request URL for streaming
-	url := fmt.Sprintf("%s/text-to-speech/%s/stream", s.baseURL, s.voiceID)
-
-	// Create HTTP request
-	req, err := http.NewRequestWithContext(ctx, "POST", url, bytes.NewBuffer(jsonBody))
-	if err != nil {
-		return nil, fmt.Errorf("failed to create request: %w", err)
-	}
-
-	req.Header.Set("Accept", "audio/mpeg")
-	req.Header.Set("Content-Type", "application/json")
-	req.Header.Set("xi-api-key", s.apiKey)
-
-	// Execute request
-	resp, err := s.httpClient.Do(req)
-	if err != nil {
-		return nil, fmt.Errorf("failed to call ElevenLabs streaming API: %w", err)
-	}
-
-	if resp.StatusCode != http.StatusOK {
-		resp.Body.Close()
-		bodyBytes, _ := io.ReadAll(resp.Body)
-		return nil, fmt.Errorf("ElevenLabs streaming API error: status %d, body: %s", resp.StatusCode, string(bodyBytes))
-	}
-
-	// Return stream reader (caller is responsible for closing)
-	return resp.Body, nil
-}
-
-// GetVisemes returns viseme events for lip sync
-// ElevenLabs doesn't provide viseme data directly, so we use phoneme-to-viseme mapping
-func (s *ElevenLabsTTSService) GetVisemes(ctx context.Context, text string) ([]VisemeEvent, error) {
-	if text == "" {
-		return nil, fmt.Errorf("text cannot be empty")
-	}
-
-	// Use phoneme-to-viseme mapping to generate viseme events
-	// This is a simplified implementation - in production, you might want to use
-	// a more sophisticated phoneme-to-viseme mapping service or library
-	visemes := s.generateVisemesFromText(text)
-	
-	return visemes, nil
-}
-
-// generateVisemesFromText generates viseme events from text using basic phoneme-to-viseme mapping
-// This is a simplified implementation. For production, consider using:
-// - A dedicated phoneme-to-viseme mapping service
-// - A TTS provider that provides phoneme timing data (e.g., Azure TTS with SSML)
-// - Integration with a speech analysis library
-func (s *ElevenLabsTTSService) generateVisemesFromText(text string) []VisemeEvent {
-	// Basic phoneme-to-viseme mapping
-	phonemeToViseme := map[string]string{
-		// Vowels
-		"aa": "aa", "ae": "aa", "ah": "aa", "ao": "aa", "aw": "aa",
-		"ay": "aa", "eh": "ee", "er": "er", "ey": "ee", "ih": "ee",
-		"iy": "ee", "ow": "oh", "oy": "oh", "uh": "ou", "uw": "ou",
-		// Consonants
-		"b": "aa", "p": "aa", "m": "aa",
-		"f": "ee", "v": "ee",
-		"th": "ee",
-		"d": "aa", "t": "aa", "n": "aa", "l": "aa",
-		"k": "aa", "g": "aa", "ng": "aa",
-		"s": "ee", "z": "ee",
-		"sh": "ee", "zh": "ee", "ch": "ee", "jh": "ee",
-		"y": "ee",
-		"w": "ou",
-		"r": "er",
-		"h": "sil",
-		"sil": "sil", "sp": "sil",
-	}
-
-	// Simple word-to-phoneme approximation
-	// In production, use a proper TTS API that provides phoneme timing or a phoneme-to-viseme service
-	words := strings.Fields(strings.ToLower(text))
-	visemes := []VisemeEvent{}
-	currentTime := 0.0
-	durationPerWord := 0.3 // Approximate duration per word in seconds
-	initialPause := 0.1
-
-	// Initial silence
-	visemes = append(visemes, VisemeEvent{
-		Viseme:    "sil",
-		StartTime: currentTime,
-		EndTime:   currentTime + initialPause,
-		Phoneme:   "sil",
-	})
-	currentTime += initialPause
-
-	// Generate visemes for each word
-	for _, word := range words {
-		// Simple approximation: map first phoneme to viseme
-		viseme := "aa" // default
-		if len(word) > 0 {
-			firstChar := string(word[0])
-			if mapped, ok := phonemeToViseme[firstChar]; ok {
-				viseme = mapped
-			} else {
-				// Map common starting consonants
-				switch firstChar {
-				case "a", "e", "i", "o", "u":
-					viseme = "aa"
-				default:
-					viseme = "aa"
-				}
-			}
-		}
-
-		visemes = append(visemes, VisemeEvent{
-			Viseme:    viseme,
-			StartTime: currentTime,
-			EndTime:   currentTime + durationPerWord,
-			Phoneme:   word,
-		})
-		currentTime += durationPerWord
-
-		// Small pause between words
-		visemes = append(visemes, VisemeEvent{
-			Viseme:    "sil",
-			StartTime: currentTime,
-			EndTime:   currentTime + 0.05,
-			Phoneme:   "sil",
-		})
-		currentTime += 0.05
-	}
-
-	// Final silence
-	visemes = append(visemes, VisemeEvent{
-		Viseme:    "sil",
-		StartTime: currentTime,
-		EndTime:   currentTime + 0.1,
-		Phoneme:   "sil",
-	})
-
-	return visemes
-}
diff --git a/virtual-banker/backend/tts/service.go b/virtual-banker/backend/tts/service.go
deleted file mode 100644
index 7e34a97..0000000
--- a/virtual-banker/backend/tts/service.go
+++ /dev/null
@@ -1,58 +0,0 @@
-package tts
-
-import (
-	"context"
-	"fmt"
-	"io"
-)
-
-// Service provides text-to-speech functionality
-type Service interface {
-	SynthesizeStream(ctx context.Context, text string) (io.Reader, error)
-	Synthesize(ctx context.Context, text string) ([]byte, error)
-	GetVisemes(ctx context.Context, text string) ([]VisemeEvent, error)
-}
-
-// VisemeEvent represents a viseme (lip shape) event for lip sync
-type VisemeEvent struct {
-	Viseme    string  `json:"viseme"` // e.g., "sil", "aa", "ee", "oh", "ou"
-	StartTime float64 `json:"start_time"`
-	EndTime   float64 `json:"end_time"`
-	Phoneme   string  `json:"phoneme,omitempty"`
-}
-
-// MockTTSService is a mock implementation for development
-type MockTTSService struct{}
-
-// NewMockTTSService creates a new mock TTS service
-func NewMockTTSService() *MockTTSService {
-	return &MockTTSService{}
-}
-
-// SynthesizeStream synthesizes text to audio stream
-func (s *MockTTSService) SynthesizeStream(ctx context.Context, text string) (io.Reader, error) {
-	// Mock implementation - in production, integrate with ElevenLabs, Azure TTS, etc.
-	// For now, return empty reader
-	return io.NopCloser(io.Reader(nil)), nil
-}
-
-// Synthesize synthesizes text to audio
-func (s *MockTTSService) Synthesize(ctx context.Context, text string) ([]byte, error) {
-	// Mock implementation
-	return []byte{}, nil
-}
-
-// GetVisemes returns viseme events for lip sync
-func (s *MockTTSService) GetVisemes(ctx context.Context, text string) ([]VisemeEvent, error) {
-	// Mock implementation - return basic visemes
-	return []VisemeEvent{
-		{Viseme: "sil", StartTime: 0.0, EndTime: 0.1},
-		{Viseme: "aa", StartTime: 0.1, EndTime: 0.3},
-		{Viseme: "ee", StartTime: 0.3, EndTime: 0.5},
-	}, nil
-}
-
-// ElevenLabsTTSService integrates with ElevenLabs (implementation in elevenlabs-adapter.go)
-// This interface definition is kept for backwards compatibility
-// The actual implementation is in elevenlabs-adapter.go
-
diff --git a/virtual-banker/database/migrations/001_sessions.up.sql b/virtual-banker/database/migrations/001_sessions.up.sql
deleted file mode 100644
index f05cad2..0000000
--- a/virtual-banker/database/migrations/001_sessions.up.sql
+++ /dev/null
@@ -1,55 +0,0 @@
--- Create sessions table
-CREATE TABLE IF NOT EXISTS sessions (
-    id VARCHAR(255) PRIMARY KEY,
-    tenant_id VARCHAR(255) NOT NULL,
-    user_id VARCHAR(255) NOT NULL,
-    ephemeral_token VARCHAR(512) NOT NULL,
-    created_at TIMESTAMP NOT NULL DEFAULT NOW(),
-    expires_at TIMESTAMP NOT NULL,
-    last_activity_at TIMESTAMP NOT NULL DEFAULT NOW(),
-    ended_at TIMESTAMP,
-    INDEX idx_tenant_user (tenant_id, user_id),
-    INDEX idx_expires_at (expires_at),
-    INDEX idx_ended_at (ended_at)
-);
-
--- Create tenants table
-CREATE TABLE IF NOT EXISTS tenants (
-    id VARCHAR(255) PRIMARY KEY,
-    name VARCHAR(255) NOT NULL,
-    theme JSONB,
-    avatar_enabled BOOLEAN DEFAULT true,
-    greeting TEXT,
-    allowed_tools JSONB DEFAULT '[]'::jsonb,
-    policy JSONB,
-    created_at TIMESTAMP NOT NULL DEFAULT NOW(),
-    updated_at TIMESTAMP NOT NULL DEFAULT NOW()
-);
-
--- Create conversations table
-CREATE TABLE IF NOT EXISTS conversations (
-    id VARCHAR(255) PRIMARY KEY,
-    session_id VARCHAR(255) NOT NULL REFERENCES sessions(id) ON DELETE CASCADE,
-    user_id VARCHAR(255) NOT NULL,
-    tenant_id VARCHAR(255) NOT NULL,
-    started_at TIMESTAMP NOT NULL DEFAULT NOW(),
-    ended_at TIMESTAMP,
-    metadata JSONB,
-    INDEX idx_session (session_id),
-    INDEX idx_user (user_id),
-    INDEX idx_tenant (tenant_id)
-);
-
--- Create conversation_messages table
-CREATE TABLE IF NOT EXISTS conversation_messages (
-    id VARCHAR(255) PRIMARY KEY,
-    conversation_id VARCHAR(255) NOT NULL REFERENCES conversations(id) ON DELETE CASCADE,
-    role VARCHAR(50) NOT NULL, -- 'user' or 'assistant'
-    content TEXT NOT NULL,
-    audio_url TEXT,
-    created_at TIMESTAMP NOT NULL DEFAULT NOW(),
-    metadata JSONB,
-    INDEX idx_conversation (conversation_id),
-    INDEX idx_created_at (created_at)
-);
-
diff --git a/virtual-banker/database/migrations/002_conversations.up.sql b/virtual-banker/database/migrations/002_conversations.up.sql
deleted file mode 100644
index e1c5108..0000000
--- a/virtual-banker/database/migrations/002_conversations.up.sql
+++ /dev/null
@@ -1,15 +0,0 @@
--- Additional indexes for conversations
-CREATE INDEX IF NOT EXISTS idx_conversations_started_at ON conversations(started_at);
-CREATE INDEX IF NOT EXISTS idx_conversations_ended_at ON conversations(ended_at);
-
--- Create conversation_state table for workflow state
-CREATE TABLE IF NOT EXISTS conversation_state (
-    session_id VARCHAR(255) PRIMARY KEY REFERENCES sessions(id) ON DELETE CASCADE,
-    workflow VARCHAR(255),
-    step VARCHAR(255),
-    context JSONB DEFAULT '{}'::jsonb,
-    created_at TIMESTAMP NOT NULL DEFAULT NOW(),
-    updated_at TIMESTAMP NOT NULL DEFAULT NOW(),
-    expires_at TIMESTAMP
-);
-
diff --git a/virtual-banker/database/migrations/003_tenants.up.sql b/virtual-banker/database/migrations/003_tenants.up.sql
deleted file mode 100644
index d43123b..0000000
--- a/virtual-banker/database/migrations/003_tenants.up.sql
+++ /dev/null
@@ -1,12 +0,0 @@
--- Add default tenant if not exists
-INSERT INTO tenants (id, name, theme, avatar_enabled, greeting, allowed_tools, policy)
-VALUES (
-    'default',
-    'Default Tenant',
-    '{"primaryColor": "#0066cc", "secondaryColor": "#004499"}'::jsonb,
-    true,
-    'Hello! How can I help you today?',
-    '[]'::jsonb,
-    '{"max_session_duration_minutes": 30, "rate_limit_per_minute": 10, "require_consent": true}'::jsonb
-) ON CONFLICT (id) DO NOTHING;
-
diff --git a/virtual-banker/database/migrations/004_vector_extension.up.sql b/virtual-banker/database/migrations/004_vector_extension.up.sql
deleted file mode 100644
index 8cecfcf..0000000
--- a/virtual-banker/database/migrations/004_vector_extension.up.sql
+++ /dev/null
@@ -1,21 +0,0 @@
--- Enable pgvector extension for RAG functionality
-CREATE EXTENSION IF NOT EXISTS vector;
-
--- Create knowledge_base table for RAG
-CREATE TABLE IF NOT EXISTS knowledge_base (
-    id VARCHAR(255) PRIMARY KEY,
-    tenant_id VARCHAR(255) NOT NULL,
-    title VARCHAR(500),
-    content TEXT NOT NULL,
-    embedding vector(1536), -- OpenAI ada-002 dimension, adjust as needed
-    metadata JSONB,
-    created_at TIMESTAMP NOT NULL DEFAULT NOW(),
-    updated_at TIMESTAMP NOT NULL DEFAULT NOW(),
-    INDEX idx_tenant (tenant_id)
-);
-
--- Create index for vector similarity search
-CREATE INDEX IF NOT EXISTS idx_knowledge_embedding ON knowledge_base 
-USING ivfflat (embedding vector_cosine_ops)
-WITH (lists = 100);
-
diff --git a/virtual-banker/database/migrations/005_user_profiles.up.sql b/virtual-banker/database/migrations/005_user_profiles.up.sql
deleted file mode 100644
index 06912bc..0000000
--- a/virtual-banker/database/migrations/005_user_profiles.up.sql
+++ /dev/null
@@ -1,25 +0,0 @@
--- Create user_profiles table for memory service
-CREATE TABLE IF NOT EXISTS user_profiles (
-    user_id VARCHAR(255) NOT NULL,
-    tenant_id VARCHAR(255) NOT NULL,
-    preferences JSONB DEFAULT '{}'::jsonb,
-    context JSONB DEFAULT '{}'::jsonb,
-    created_at TIMESTAMP NOT NULL DEFAULT NOW(),
-    updated_at TIMESTAMP NOT NULL DEFAULT NOW(),
-    PRIMARY KEY (user_id, tenant_id),
-    INDEX idx_tenant (tenant_id)
-);
-
--- Create conversation_history table
-CREATE TABLE IF NOT EXISTS conversation_history (
-    id VARCHAR(255) PRIMARY KEY,
-    user_id VARCHAR(255) NOT NULL,
-    tenant_id VARCHAR(255) NOT NULL,
-    session_id VARCHAR(255) NOT NULL,
-    messages JSONB NOT NULL,
-    created_at TIMESTAMP NOT NULL DEFAULT NOW(),
-    INDEX idx_user_tenant (user_id, tenant_id),
-    INDEX idx_session (session_id),
-    INDEX idx_created_at (created_at)
-);
-
diff --git a/virtual-banker/database/schema.sql b/virtual-banker/database/schema.sql
deleted file mode 100644
index eced71a..0000000
--- a/virtual-banker/database/schema.sql
+++ /dev/null
@@ -1,82 +0,0 @@
--- Virtual Banker Database Schema
--- This file contains the complete schema for reference
-
--- Sessions
-CREATE TABLE IF NOT EXISTS sessions (
-    id VARCHAR(255) PRIMARY KEY,
-    tenant_id VARCHAR(255) NOT NULL,
-    user_id VARCHAR(255) NOT NULL,
-    ephemeral_token VARCHAR(512) NOT NULL,
-    created_at TIMESTAMP NOT NULL DEFAULT NOW(),
-    expires_at TIMESTAMP NOT NULL,
-    last_activity_at TIMESTAMP NOT NULL DEFAULT NOW(),
-    ended_at TIMESTAMP,
-    INDEX idx_tenant_user (tenant_id, user_id),
-    INDEX idx_expires_at (expires_at),
-    INDEX idx_ended_at (ended_at)
-);
-
--- Tenants
-CREATE TABLE IF NOT EXISTS tenants (
-    id VARCHAR(255) PRIMARY KEY,
-    name VARCHAR(255) NOT NULL,
-    theme JSONB,
-    avatar_enabled BOOLEAN DEFAULT true,
-    greeting TEXT,
-    allowed_tools JSONB DEFAULT '[]'::jsonb,
-    policy JSONB,
-    created_at TIMESTAMP NOT NULL DEFAULT NOW(),
-    updated_at TIMESTAMP NOT NULL DEFAULT NOW()
-);
-
--- Conversations
-CREATE TABLE IF NOT EXISTS conversations (
-    id VARCHAR(255) PRIMARY KEY,
-    session_id VARCHAR(255) NOT NULL REFERENCES sessions(id) ON DELETE CASCADE,
-    user_id VARCHAR(255) NOT NULL,
-    tenant_id VARCHAR(255) NOT NULL,
-    started_at TIMESTAMP NOT NULL DEFAULT NOW(),
-    ended_at TIMESTAMP,
-    metadata JSONB,
-    INDEX idx_session (session_id),
-    INDEX idx_user (user_id),
-    INDEX idx_tenant (tenant_id)
-);
-
--- Conversation Messages
-CREATE TABLE IF NOT EXISTS conversation_messages (
-    id VARCHAR(255) PRIMARY KEY,
-    conversation_id VARCHAR(255) NOT NULL REFERENCES conversations(id) ON DELETE CASCADE,
-    role VARCHAR(50) NOT NULL,
-    content TEXT NOT NULL,
-    audio_url TEXT,
-    created_at TIMESTAMP NOT NULL DEFAULT NOW(),
-    metadata JSONB,
-    INDEX idx_conversation (conversation_id),
-    INDEX idx_created_at (created_at)
-);
-
--- Conversation State
-CREATE TABLE IF NOT EXISTS conversation_state (
-    session_id VARCHAR(255) PRIMARY KEY REFERENCES sessions(id) ON DELETE CASCADE,
-    workflow VARCHAR(255),
-    step VARCHAR(255),
-    context JSONB DEFAULT '{}'::jsonb,
-    created_at TIMESTAMP NOT NULL DEFAULT NOW(),
-    updated_at TIMESTAMP NOT NULL DEFAULT NOW(),
-    expires_at TIMESTAMP
-);
-
--- Knowledge Base (requires pgvector extension)
-CREATE TABLE IF NOT EXISTS knowledge_base (
-    id VARCHAR(255) PRIMARY KEY,
-    tenant_id VARCHAR(255) NOT NULL,
-    title VARCHAR(500),
-    content TEXT NOT NULL,
-    embedding vector(1536),
-    metadata JSONB,
-    created_at TIMESTAMP NOT NULL DEFAULT NOW(),
-    updated_at TIMESTAMP NOT NULL DEFAULT NOW(),
-    INDEX idx_tenant (tenant_id)
-);
-
diff --git a/virtual-banker/deployment/Dockerfile.backend b/virtual-banker/deployment/Dockerfile.backend
deleted file mode 100644
index 1c27f2c..0000000
--- a/virtual-banker/deployment/Dockerfile.backend
+++ /dev/null
@@ -1,30 +0,0 @@
-FROM golang:1.21-alpine AS builder
-
-WORKDIR /app
-
-# Copy go mod files
-COPY go.mod go.sum ./
-RUN go mod download
-
-# Copy source code
-COPY . .
-
-# Build
-RUN CGO_ENABLED=0 GOOS=linux go build -o /app/virtual-banker-api ./main.go
-
-# Final stage
-FROM alpine:latest
-
-RUN apk --no-cache add ca-certificates curl
-
-WORKDIR /root/
-
-COPY --from=builder /app/virtual-banker-api .
-
-EXPOSE 8081
-
-HEALTHCHECK --interval=30s --timeout=10s --start-period=40s --retries=3 \
-  CMD curl -f http://localhost:8081/health || exit 1
-
-CMD ["./virtual-banker-api"]
-
diff --git a/virtual-banker/deployment/Dockerfile.widget b/virtual-banker/deployment/Dockerfile.widget
deleted file mode 100644
index 5ad494f..0000000
--- a/virtual-banker/deployment/Dockerfile.widget
+++ /dev/null
@@ -1,28 +0,0 @@
-FROM node:20-alpine AS builder
-
-WORKDIR /app
-
-# Copy package files
-COPY package*.json ./
-RUN npm ci
-
-# Copy source
-COPY . .
-
-# Build
-RUN npm run build
-
-# Production stage
-FROM nginx:alpine
-
-# Copy built files
-COPY --from=builder /app/dist /usr/share/nginx/html
-COPY --from=builder /app/public/widget.js /usr/share/nginx/html/widget.js
-
-# Copy nginx config
-COPY nginx.conf /etc/nginx/conf.d/default.conf
-
-EXPOSE 80
-
-CMD ["nginx", "-g", "daemon off;"]
-
diff --git a/virtual-banker/deployment/docker-compose.yml b/virtual-banker/deployment/docker-compose.yml
deleted file mode 100644
index 4b06745..0000000
--- a/virtual-banker/deployment/docker-compose.yml
+++ /dev/null
@@ -1,50 +0,0 @@
-version: '3.8'
-
-services:
-  virtual-banker-api:
-    build:
-      context: ../backend
-      dockerfile: ../deployment/Dockerfile.backend
-    environment:
-      - DATABASE_URL=postgres://explorer:changeme@postgres:5432/explorer?sslmode=disable
-      - REDIS_URL=redis://redis:6379
-      - PORT=8081
-    ports:
-      - "8081:8081"
-    depends_on:
-      postgres:
-        condition: service_healthy
-      redis:
-        condition: service_healthy
-    healthcheck:
-      test: ["CMD", "curl", "-f", "http://localhost:8081/health"]
-      interval: 30s
-      timeout: 10s
-      retries: 3
-      start_period: 40s
-    deploy:
-      resources:
-        limits:
-          cpus: '2'
-          memory: 2G
-        reservations:
-          cpus: '1'
-          memory: 1G
-    restart: unless-stopped
-    labels:
-      - "com.solacescanscout.name=virtual-banker-api"
-      - "com.solacescanscout.version=1.0.0"
-      - "com.solacescanscout.service=virtual-banker-api"
-
-  virtual-banker-widget:
-    build:
-      context: ../widget
-      dockerfile: ../deployment/Dockerfile.widget
-    ports:
-      - "8082:80"
-    restart: unless-stopped
-    labels:
-      - "com.solacescanscout.name=virtual-banker-widget"
-      - "com.solacescanscout.version=1.0.0"
-      - "com.solacescanscout.service=virtual-banker-widget-cdn"
-
diff --git a/virtual-banker/deployment/nginx.conf b/virtual-banker/deployment/nginx.conf
deleted file mode 100644
index aa2a50f..0000000
--- a/virtual-banker/deployment/nginx.conf
+++ /dev/null
@@ -1,44 +0,0 @@
-server {
-    listen 80;
-    server_name _;
-
-    root /usr/share/nginx/html;
-    index index.html;
-
-    # Enable gzip
-    gzip on;
-    gzip_vary on;
-    gzip_min_length 1024;
-    gzip_types text/plain text/css text/xml text/javascript application/x-javascript application/xml+rss application/json application/javascript;
-
-    # Security headers
-    add_header X-Frame-Options "SAMEORIGIN" always;
-    add_header X-Content-Type-Options "nosniff" always;
-    add_header X-XSS-Protection "1; mode=block" always;
-
-    # CORS for widget embedding
-    add_header Access-Control-Allow-Origin "*" always;
-    add_header Access-Control-Allow-Methods "GET, POST, OPTIONS" always;
-    add_header Access-Control-Allow-Headers "Content-Type, Authorization" always;
-
-    # Widget loader script
-    location /widget.js {
-        add_header Content-Type "application/javascript";
-        expires 1h;
-    }
-
-    # Static assets
-    location / {
-        try_files $uri $uri/ /index.html;
-        expires 1h;
-        add_header Cache-Control "public, immutable";
-    }
-
-    # Health check
-    location /health {
-        access_log off;
-        return 200 "healthy\n";
-        add_header Content-Type text/plain;
-    }
-}
-
diff --git a/virtual-banker/docs/API.md b/virtual-banker/docs/API.md
deleted file mode 100644
index 738edbe..0000000
--- a/virtual-banker/docs/API.md
+++ /dev/null
@@ -1,140 +0,0 @@
-# Virtual Banker API Reference
-
-## Base URL
-
-```
-http://localhost:8081
-```
-
-## Authentication
-
-All requests (except health check) require authentication via JWT token in the `Authorization` header:
-
-```
-Authorization: Bearer <jwt-token>
-```
-
-## Endpoints
-
-### Health Check
-
-```
-GET /health
-```
-
-**Response:**
-```json
-{
-  "status": "healthy"
-}
-```
-
-### Create Session
-
-```
-POST /v1/sessions
-```
-
-**Request Body:**
-```json
-{
-  "tenant_id": "tenant-123",
-  "user_id": "user-456",
-  "auth_assertion": "jwt-token",
-  "portal_context": {
-    "route": "/account",
-    "account_id": "acc-789"
-  }
-}
-```
-
-**Response:**
-```json
-{
-  "session_id": "sess-abc123",
-  "ephemeral_token": "ephemeral-token-xyz",
-  "config": {
-    "theme": {
-      "primaryColor": "#0066cc"
-    },
-    "avatar_enabled": true,
-    "greeting": "Hello! How can I help you today?",
-    "allowed_tools": ["get_account_status", "create_ticket"],
-    "policy": {
-      "max_session_duration_minutes": 30,
-      "rate_limit_per_minute": 10,
-      "require_consent": true
-    }
-  },
-  "expires_at": "2024-01-20T15:30:00Z"
-}
-```
-
-### Refresh Token
-
-```
-POST /v1/sessions/{session_id}/refresh-token
-```
-
-**Response:**
-```json
-{
-  "ephemeral_token": "new-ephemeral-token",
-  "expires_at": "2024-01-20T15:35:00Z"
-}
-```
-
-### End Session
-
-```
-POST /v1/sessions/{session_id}/end
-```
-
-**Response:**
-```json
-{
-  "status": "ended"
-}
-```
-
-## Error Responses
-
-All errors follow this format:
-
-```json
-{
-  "error": "Error message",
-  "message": "Detailed error description"
-}
-```
-
-### Status Codes
-
-- `200 OK` - Success
-- `201 Created` - Resource created
-- `400 Bad Request` - Invalid request
-- `401 Unauthorized` - Authentication required
-- `404 Not Found` - Resource not found
-- `500 Internal Server Error` - Server error
-
-## WebRTC Signaling
-
-WebRTC signaling is handled via WebSocket (to be implemented in Phase 1):
-
-```
-WS /v1/realtime/{session_id}
-```
-
-## Rate Limiting
-
-Rate limits are enforced per tenant and user:
-- Default: 10 requests per minute per user
-- Configurable per tenant
-
-Rate limit headers:
-```
-X-RateLimit-Limit: 10
-X-RateLimit-Remaining: 9
-X-RateLimit-Reset: 1642680000
-```
-
diff --git a/virtual-banker/docs/ARCHITECTURE.md b/virtual-banker/docs/ARCHITECTURE.md
deleted file mode 100644
index 8daf065..0000000
--- a/virtual-banker/docs/ARCHITECTURE.md
+++ /dev/null
@@ -1,166 +0,0 @@
-# Virtual Banker Architecture
-
-## Overview
-
-The Virtual Banker is a multi-layered system that provides a digital human banking experience with full video realism, real-time voice interaction, and embeddable widget capabilities.
-
-## System Architecture
-
-```
-┌─────────────────────────────────────────────────────────────┐
-│                    Client Layer                              │
-│  ┌──────────────────────────────────────────────────────┐  │
-│  │  Embeddable Widget (React/TypeScript)                 │  │
-│  │  - Chat UI                                             │  │
-│  │  - Voice Controls                                      │  │
-│  │  - Avatar View                                         │  │
-│  │  - WebRTC Client                                       │  │
-│  └──────────────────────────────────────────────────────┘  │
-└─────────────────────────────────────────────────────────────┘
-                            │
-                            ▼
-┌─────────────────────────────────────────────────────────────┐
-│                    Edge Layer                                │
-│  ┌──────────────┐  ┌──────────────┐  ┌──────────────┐     │
-│  │ CDN          │  │ API Gateway  │  │ WebRTC       │     │
-│  │ (Widget)     │  │ (Auth/Rate)  │  │ Gateway      │     │
-│  └──────────────┘  └──────────────┘  └──────────────┘     │
-└─────────────────────────────────────────────────────────────┘
-                            │
-                            ▼
-┌─────────────────────────────────────────────────────────────┐
-│                    Core Services                             │
-│  ┌──────────────┐  ┌──────────────┐  ┌──────────────┐     │
-│  │ Session      │  │ Orchestrator │  │ LLM Gateway  │     │
-│  │ Service      │  │              │  │              │     │
-│  └──────────────┘  └──────────────┘  └──────────────┘     │
-│  ┌──────────────┐  ┌──────────────┐  ┌──────────────┐     │
-│  │ RAG Service  │  │ Tool/Action  │  │ Safety/      │     │
-│  │              │  │ Service      │  │ Compliance   │     │
-│  └──────────────┘  └──────────────┘  └──────────────┘     │
-└─────────────────────────────────────────────────────────────┘
-                            │
-                            ▼
-┌─────────────────────────────────────────────────────────────┐
-│                    Media Services                            │
-│  ┌──────────────┐  ┌──────────────┐  ┌──────────────┐     │
-│  │ ASR Service  │  │ TTS Service   │  │ Avatar       │     │
-│  │ (Streaming)  │  │ (Streaming)   │  │ Renderer     │     │
-│  └──────────────┘  └──────────────┘  └──────────────┘     │
-└─────────────────────────────────────────────────────────────┘
-                            │
-                            ▼
-┌─────────────────────────────────────────────────────────────┐
-│                    Data Layer                                │
-│  ┌──────────────┐  ┌──────────────┐  ┌──────────────┐     │
-│  │ PostgreSQL   │  │ Redis        │  │ Vector DB    │     │
-│  │ (State)      │  │ (Cache)      │  │ (pgvector)   │     │
-│  └──────────────┘  └──────────────┘  └──────────────┘     │
-└─────────────────────────────────────────────────────────────┘
-```
-
-## Data Flow
-
-### Voice Turn Flow
-
-1. **User speaks** → Widget captures audio via microphone
-2. **Audio stream** → WebRTC gateway → ASR service
-3. **ASR** → Transcribes to text (partial + final)
-4. **Orchestrator** → Sends transcript to LLM with context
-5. **LLM** → Generates response + tool calls + emotion tags
-6. **TTS** → Converts text to audio stream
-7. **Avatar** → Generates visemes, expressions, gestures
-8. **Widget** → Plays audio, displays captions, animates avatar
-
-### Text Turn Flow
-
-1. **User types** → Widget sends text message
-2. **Orchestrator** → Processes message (same as step 4+ above)
-
-## Components
-
-### Backend Services
-
-#### Session Service
-- Creates and manages sessions
-- Issues ephemeral tokens
-- Loads tenant configurations
-- Tracks session state
-
-#### Conversation Orchestrator
-- Maintains conversation state machine
-- Routes messages to appropriate services
-- Handles barge-in (interruptions)
-- Synchronizes audio/video
-
-#### LLM Gateway
-- Multi-tenant prompt templates
-- Function/tool calling
-- Output schema enforcement
-- Model routing
-
-#### RAG Service
-- Document ingestion and embedding
-- Vector similarity search
-- Reranking
-- Citation formatting
-
-#### Tool/Action Service
-- Tool registry and execution
-- Banking service integrations
-- Human-in-the-loop confirmations
-- Audit logging
-
-### Frontend Widget
-
-#### Components
-- **ChatPanel**: Main chat interface
-- **VoiceControls**: Push-to-talk, hands-free, volume
-- **AvatarView**: Video stream display
-- **Captions**: Real-time captions overlay
-- **Settings**: User preferences
-
-#### Hooks
-- **useSession**: Session management
-- **useConversation**: Message handling
-- **useWebRTC**: WebRTC connection
-
-### Avatar System
-
-#### Unreal Engine
-- Digital human character
-- Blendshapes for visemes/expressions
-- Animation blueprints
-- PixelStreaming for video output
-
-#### Render Service
-- Controls Unreal instances
-- Manages GPU resources
-- Streams video via WebRTC
-
-## Security
-
-- JWT/SSO authentication
-- Ephemeral session tokens
-- PII redaction
-- Content filtering
-- Rate limiting
-- Audit trails
-
-## Accessibility
-
-- WCAG 2.1 AA compliance
-- Keyboard navigation
-- Screen reader support
-- Captions (always available)
-- Reduced motion support
-- ARIA labels
-
-## Scalability
-
-- Stateless services (behind load balancer)
-- Redis for session caching
-- PostgreSQL for persistent state
-- GPU cluster for avatar rendering
-- CDN for widget assets
-
diff --git a/virtual-banker/docs/DEPLOYMENT.md b/virtual-banker/docs/DEPLOYMENT.md
deleted file mode 100644
index c90812e..0000000
--- a/virtual-banker/docs/DEPLOYMENT.md
+++ /dev/null
@@ -1,213 +0,0 @@
-# Deployment Guide
-
-## Prerequisites
-
-- Docker and Docker Compose
-- PostgreSQL 16+ with pgvector extension
-- Redis 7+
-- (Optional) Kubernetes cluster for production
-
-## Development Deployment
-
-### 1. Database Setup
-
-Run migrations:
-
-```bash
-cd virtual-banker/database
-psql -U explorer -d explorer -f migrations/001_sessions.up.sql
-psql -U explorer -d explorer -f migrations/002_conversations.up.sql
-psql -U explorer -d explorer -f migrations/003_tenants.up.sql
-psql -U explorer -d explorer -f migrations/004_vector_extension.up.sql
-```
-
-### 2. Start Services
-
-Using the main docker-compose.yml:
-
-```bash
-cd deployment
-docker-compose up -d virtual-banker-api virtual-banker-widget
-```
-
-Or using the virtual-banker specific compose file:
-
-```bash
-cd virtual-banker/deployment
-docker-compose up -d
-```
-
-### 3. Verify
-
-Check health:
-
-```bash
-curl http://localhost:8081/health
-```
-
-Access widget:
-
-```
-http://localhost:8082
-```
-
-## Production Deployment
-
-### Environment Variables
-
-**Backend API:**
-```bash
-DATABASE_URL=postgres://user:pass@host:5432/db
-REDIS_URL=redis://host:6379
-PORT=8081
-```
-
-**Widget CDN:**
-- Deploy to CDN (Cloudflare, AWS CloudFront, etc.)
-- Configure CORS headers
-- Enable gzip compression
-
-### Docker Compose Production
-
-```yaml
-services:
-  virtual-banker-api:
-    image: your-registry/virtual-banker-api:latest
-    environment:
-      - DATABASE_URL=${DATABASE_URL}
-      - REDIS_URL=${REDIS_URL}
-    deploy:
-      replicas: 3
-      resources:
-        limits:
-          cpus: '2'
-          memory: 2G
-```
-
-### Kubernetes Deployment
-
-Example deployment:
-
-```yaml
-apiVersion: apps/v1
-kind: Deployment
-metadata:
-  name: virtual-banker-api
-spec:
-  replicas: 3
-  selector:
-    matchLabels:
-      app: virtual-banker-api
-  template:
-    metadata:
-      labels:
-        app: virtual-banker-api
-    spec:
-      containers:
-      - name: api
-        image: your-registry/virtual-banker-api:latest
-        env:
-        - name: DATABASE_URL
-          valueFrom:
-            secretKeyRef:
-              name: virtual-banker-secrets
-              key: database-url
-        ports:
-        - containerPort: 8081
-        resources:
-          requests:
-            memory: "1Gi"
-            cpu: "1"
-          limits:
-            memory: "2Gi"
-            cpu: "2"
-```
-
-## Scaling
-
-### Horizontal Scaling
-
-- **API Service**: Stateless, scale horizontally
-- **Widget CDN**: Use CDN for global distribution
-- **Avatar Renderer**: GPU-bound, scale based on concurrent sessions
-
-### Vertical Scaling
-
-- **Database**: Increase connection pool, add read replicas
-- **Redis**: Use Redis Cluster for high availability
-- **Avatar Renderer**: Allocate more GPU resources
-
-## Monitoring
-
-### Health Checks
-
-- API: `GET /health`
-- Widget: `GET /health` (nginx)
-
-### Metrics
-
-- Session creation rate
-- Active sessions
-- API latency
-- Error rates
-- Avatar render queue
-
-### Logging
-
-- Structured logging (JSON)
-- Log aggregation (ELK, Loki, etc.)
-- Audit logs for compliance
-
-## Security
-
-### Network
-
-- Use internal networks for service communication
-- Expose only necessary ports
-- Use TLS for external communication
-
-### Secrets
-
-- Store secrets in secret management (Vault, AWS Secrets Manager)
-- Rotate tokens regularly
-- Use ephemeral tokens for sessions
-
-### Compliance
-
-- Enable audit logging
-- Implement data retention policies
-- PII redaction in logs
-- Encryption at rest and in transit
-
-## Backup & Recovery
-
-### Database
-
-- Regular PostgreSQL backups
-- Point-in-time recovery
-- Test restore procedures
-
-### Redis
-
-- Enable persistence (AOF/RDB)
-- Regular snapshots
-
-## Troubleshooting
-
-### Common Issues
-
-**Session creation fails:**
-- Check database connection
-- Verify tenant exists
-- Check JWT validation
-
-**Widget not loading:**
-- Check CORS configuration
-- Verify CDN is accessible
-- Check browser console for errors
-
-**Avatar not displaying:**
-- Verify WebRTC connection
-- Check avatar renderer service
-- Verify GPU resources available
-
diff --git a/virtual-banker/docs/WIDGET_INTEGRATION.md b/virtual-banker/docs/WIDGET_INTEGRATION.md
deleted file mode 100644
index 59181e7..0000000
--- a/virtual-banker/docs/WIDGET_INTEGRATION.md
+++ /dev/null
@@ -1,158 +0,0 @@
-# Widget Integration Guide
-
-## Quick Start
-
-### 1. Include the Widget Script
-
-Add the widget loader script to your HTML page:
-
-```html
-<script src="https://cdn.example.com/virtual-banker/widget.js"
-        data-tenant-id="your-tenant-id"
-        data-user-id="user-123"
-        data-auth-token="jwt-token"
-        data-api-url="https://api.example.com"
-        data-avatar-enabled="true"></script>
-<div id="virtual-banker-widget"></div>
-```
-
-### 2. Configuration Options
-
-| Attribute | Required | Description |
-|-----------|----------|-------------|
-| `data-tenant-id` | Yes | Tenant identifier |
-| `data-user-id` | No | User identifier (for authenticated sessions) |
-| `data-auth-token` | No | JWT token for authentication |
-| `data-api-url` | No | API base URL (default: http://localhost:8081) |
-| `data-avatar-enabled` | No | Enable/disable avatar (default: true) |
-
-## Programmatic API
-
-### Methods
-
-```javascript
-// Open widget
-window.VirtualBankerWidgetAPI.open();
-
-// Close widget
-window.VirtualBankerWidgetAPI.close();
-
-// Minimize widget
-window.VirtualBankerWidgetAPI.minimize();
-
-// Set context (page/route information)
-window.VirtualBankerWidgetAPI.setContext({
-  route: '/account',
-  accountId: 'acc-123',
-  productId: 'prod-456'
-});
-
-// Update authentication token
-window.VirtualBankerWidgetAPI.setAuthToken('new-jwt-token');
-```
-
-## PostMessage Events
-
-Listen for widget events from the parent window:
-
-```javascript
-window.addEventListener('message', (event) => {
-  if (event.data.source === 'virtual-banker-widget') {
-    switch (event.data.type) {
-      case 'ready':
-        console.log('Widget is ready');
-        break;
-      
-      case 'session_started':
-        console.log('Session ID:', event.data.payload.sessionId);
-        break;
-      
-      case 'action_requested':
-        console.log('Action:', event.data.payload.action);
-        console.log('Params:', event.data.payload.params);
-        // Handle action (e.g., open ticket, schedule appointment)
-        break;
-      
-      case 'action_completed':
-        console.log('Action completed:', event.data.payload);
-        break;
-      
-      case 'handoff_to_human':
-        console.log('Handoff reason:', event.data.payload.reason);
-        // Show human agent interface
-        break;
-    }
-  }
-});
-```
-
-## Sending Messages to Widget
-
-Send commands to the widget from the parent window:
-
-```javascript
-const widget = document.getElementById('virtual-banker-widget');
-if (widget && widget.contentWindow) {
-  widget.contentWindow.postMessage({
-    type: 'open',
-    source: 'virtual-banker-host'
-  }, '*');
-}
-```
-
-Available commands:
-- `open` - Open the widget
-- `close` - Close the widget
-- `minimize` - Minimize the widget
-- `setContext` - Update context
-- `setAuthToken` - Update auth token
-
-## Styling
-
-The widget can be styled via CSS:
-
-```css
-#virtual-banker-widget {
-  position: fixed;
-  bottom: 20px;
-  right: 20px;
-  width: 400px;
-  height: 600px;
-  z-index: 9999;
-  border-radius: 8px;
-  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.2);
-}
-
-#virtual-banker-widget.minimized {
-  height: 60px;
-  width: 200px;
-}
-```
-
-## Theming
-
-Theme can be configured per tenant via the backend API. The widget will automatically apply the theme from the session configuration.
-
-## Accessibility
-
-The widget is built with accessibility in mind:
-- Full keyboard navigation
-- Screen reader support
-- ARIA labels
-- Captions always available
-- Reduced motion support (respects OS preference)
-
-## Browser Support
-
-- Chrome/Edge 90+
-- Firefox 88+
-- Safari 14+
-- Mobile browsers (iOS Safari, Chrome Mobile)
-
-## Security
-
-- Content Security Policy (CSP) compatible
-- No direct secrets in browser
-- Ephemeral session tokens only
-- CORS configured for embedding
-
diff --git a/virtual-banker/docs/openapi.yaml b/virtual-banker/docs/openapi.yaml
deleted file mode 100644
index 76a30b5..0000000
--- a/virtual-banker/docs/openapi.yaml
+++ /dev/null
@@ -1,1137 +0,0 @@
-openapi: 3.0.3
-info:
-  title: Virtual Banker API
-  version: 1.0.0
-  description: |
-    REST API for the Virtual Banker platform, including voice operations (TTS/ASR),
-    session management, conversation orchestration, and avatar control.
-    
-    Features:
-    - Voice session management
-    - Text-to-speech (TTS) synthesis with viseme support
-    - Speech-to-text (ASR) transcription
-    - Conversation orchestration
-    - WebRTC signaling for real-time communication
-    - Avatar animation and lip sync
-    
-  contact:
-    name: Virtual Banker Support
-    email: support@d-bis.org
-  license:
-    name: MIT
-    url: https://opensource.org/licenses/MIT
-
-servers:
-  - url: https://virtual-banker.d-bis.org/v1
-    description: Production server
-  - url: https://sandbox-virtual-banker.d-bis.org/v1
-    description: Sandbox server
-  - url: http://localhost:8081/v1
-    description: Development server
-
-security:
-  - BearerAuth: []
-
-tags:
-  - name: Sessions
-    description: Session management operations
-  - name: Voice
-    description: Voice operations (TTS/ASR)
-  - name: Conversation
-    description: Conversation orchestration
-  - name: Avatar
-    description: Avatar control and animation
-  - name: Providers
-    description: Voice provider management
-  - name: Health
-    description: Health check endpoints
-
-paths:
-  /health:
-    get:
-      tags: [Health]
-      summary: Health check
-      description: Returns the health status of the Virtual Banker API and service connections
-      operationId: getHealth
-      security: []
-      responses:
-        '200':
-          description: Service is healthy
-          content:
-            application/json:
-              schema:
-                type: object
-                properties:
-                  status:
-                    type: string
-                    example: "healthy"
-                  services:
-                    type: object
-                    properties:
-                      asr:
-                        type: object
-                        properties:
-                          provider:
-                            type: string
-                            example: "mock"
-                          status:
-                            type: string
-                            example: "available"
-                      tts:
-                        type: object
-                        properties:
-                          provider:
-                            type: string
-                            example: "mock"
-                          status:
-                            type: string
-                            example: "available"
-                      llm:
-                        type: object
-                        properties:
-                          provider:
-                            type: string
-                            example: "mock"
-                          status:
-                            type: string
-                            example: "available"
-                      database:
-                        type: string
-                        example: "connected"
-                      redis:
-                        type: string
-                        example: "connected"
-                  timestamp:
-                    type: string
-                    format: date-time
-
-  /sessions:
-    post:
-      tags: [Sessions]
-      summary: Create session
-      description: Creates a new virtual banker session
-      operationId: createSession
-      requestBody:
-        required: true
-        content:
-          application/json:
-            schema:
-              $ref: '#/components/schemas/CreateSessionRequest'
-            example:
-              tenant_id: "tenant-123"
-              user_id: "user-456"
-              auth_assertion: "jwt-token"
-              portal_context:
-                route: "/account"
-                account_id: "acc-789"
-      responses:
-        '201':
-          description: Session created successfully
-          content:
-            application/json:
-              schema:
-                $ref: '#/components/schemas/SessionResponse'
-        '400':
-          $ref: '#/components/responses/BadRequest'
-        '401':
-          $ref: '#/components/responses/Unauthorized'
-        '500':
-          $ref: '#/components/responses/InternalServerError'
-
-    get:
-      tags: [Sessions]
-      summary: List sessions
-      description: Returns a list of active sessions for the authenticated user
-      operationId: listSessions
-      responses:
-        '200':
-          description: List of sessions
-          content:
-            application/json:
-              schema:
-                $ref: '#/components/schemas/SessionListResponse'
-        '401':
-          $ref: '#/components/responses/Unauthorized'
-        '500':
-          $ref: '#/components/responses/InternalServerError'
-
-  /sessions/{sessionId}:
-    get:
-      tags: [Sessions]
-      summary: Get session
-      description: Returns session details
-      operationId: getSession
-      parameters:
-        - $ref: '#/components/parameters/SessionId'
-      responses:
-        '200':
-          description: Session details
-          content:
-            application/json:
-              schema:
-                $ref: '#/components/schemas/SessionResponse'
-        '401':
-          $ref: '#/components/responses/Unauthorized'
-        '404':
-          $ref: '#/components/responses/NotFound'
-        '500':
-          $ref: '#/components/responses/InternalServerError'
-
-    delete:
-      tags: [Sessions]
-      summary: End session
-      description: Ends a virtual banker session
-      operationId: endSession
-      parameters:
-        - $ref: '#/components/parameters/SessionId'
-      responses:
-        '200':
-          description: Session ended
-          content:
-            application/json:
-              schema:
-                $ref: '#/components/schemas/BaseResponse'
-        '401':
-          $ref: '#/components/responses/Unauthorized'
-        '404':
-          $ref: '#/components/responses/NotFound'
-        '500':
-          $ref: '#/components/responses/InternalServerError'
-
-  /sessions/{sessionId}/refresh-token:
-    post:
-      tags: [Sessions]
-      summary: Refresh ephemeral token
-      description: Refreshes the ephemeral token for a session
-      operationId: refreshToken
-      parameters:
-        - $ref: '#/components/parameters/SessionId'
-      responses:
-        '200':
-          description: Token refreshed
-          content:
-            application/json:
-              schema:
-                type: object
-                properties:
-                  success:
-                    type: boolean
-                  data:
-                    type: object
-                    properties:
-                      ephemeral_token:
-                        type: string
-                      expires_at:
-                        type: string
-                        format: date-time
-                  timestamp:
-                    type: string
-                    format: date-time
-        '401':
-          $ref: '#/components/responses/Unauthorized'
-        '404':
-          $ref: '#/components/responses/NotFound'
-        '500':
-          $ref: '#/components/responses/InternalServerError'
-
-  /voice/sessions:
-    post:
-      tags: [Voice]
-      summary: Create voice session
-      description: Creates a voice session for real-time TTS/ASR operations
-      operationId: createVoiceSession
-      requestBody:
-        required: true
-        content:
-          application/json:
-            schema:
-              $ref: '#/components/schemas/CreateVoiceSessionRequest'
-            example:
-              session_id: "sess-abc123"
-              provider:
-                asr: "deepgram"
-                tts: "elevenlabs"
-              voice_config:
-                voice_id: "21m00Tcm4TlvDq8ikWAM"
-                model_id: "eleven_multilingual_v2"
-                stability: 0.5
-                similarity_boost: 0.75
-      responses:
-        '201':
-          description: Voice session created
-          content:
-            application/json:
-              schema:
-                $ref: '#/components/schemas/VoiceSessionResponse'
-        '400':
-          $ref: '#/components/responses/BadRequest'
-        '401':
-          $ref: '#/components/responses/Unauthorized'
-        '404':
-          $ref: '#/components/responses/NotFound'
-        '500':
-          $ref: '#/components/responses/InternalServerError'
-
-  /voice/sessions/{sessionId}/transcribe:
-    post:
-      tags: [Voice]
-      summary: Transcribe audio (ASR)
-      description: Transcribes audio to text using speech-to-text service
-      operationId: transcribeAudio
-      parameters:
-        - $ref: '#/components/parameters/SessionId'
-      requestBody:
-        required: true
-        content:
-          multipart/form-data:
-            schema:
-              type: object
-              required:
-                - audio
-              properties:
-                audio:
-                  type: string
-                  format: binary
-                  description: Audio file (WAV, MP3, OGG, etc.)
-                language:
-                  type: string
-                  description: Language code (optional, auto-detect if not provided)
-                  example: "en-US"
-                format:
-                  type: string
-                  enum: [wav, mp3, ogg, webm]
-                  default: "wav"
-                include_words:
-                  type: boolean
-                  description: Include word-level timestamps
-                  default: false
-        content:
-          application/json:
-            schema:
-              type: object
-              required:
-                - audio_data
-              properties:
-                audio_data:
-                  type: string
-                  format: byte
-                  description: Base64-encoded audio data
-                language:
-                  type: string
-                  example: "en-US"
-                include_words:
-                  type: boolean
-                  default: false
-      responses:
-        '200':
-          description: Transcription result
-          content:
-            application/json:
-              schema:
-                $ref: '#/components/schemas/TranscriptionResponse'
-        '400':
-          $ref: '#/components/responses/BadRequest'
-        '401':
-          $ref: '#/components/responses/Unauthorized'
-        '404':
-          $ref: '#/components/responses/NotFound'
-        '500':
-          $ref: '#/components/responses/InternalServerError'
-
-  /voice/sessions/{sessionId}/transcribe-stream:
-    post:
-      tags: [Voice]
-      summary: Stream transcription (ASR)
-      description: Streams audio for real-time transcription (returns SSE stream)
-      operationId: transcribeAudioStream
-      parameters:
-        - $ref: '#/components/parameters/SessionId'
-      requestBody:
-        required: true
-        content:
-          multipart/form-data:
-            schema:
-              type: object
-              required:
-                - audio_stream
-              properties:
-                audio_stream:
-                  type: string
-                  format: binary
-                  description: Audio stream
-                language:
-                  type: string
-                  example: "en-US"
-      responses:
-        '200':
-          description: Transcription event stream (SSE)
-          content:
-            text/event-stream:
-              schema:
-                type: string
-              example: |
-                event: partial
-                data: {"type":"partial","text":"Hello, how can I","confidence":0.95,"timestamp":1704067200}
-
-                event: final
-                data: {"type":"final","text":"Hello, how can I help you today?","confidence":0.98,"timestamp":1704067210,"words":[{"word":"Hello","start_time":0.0,"end_time":0.5},{"word":"how","start_time":0.6,"end_time":0.8}]}
-        '400':
-          $ref: '#/components/responses/BadRequest'
-        '401':
-          $ref: '#/components/responses/Unauthorized'
-        '404':
-          $ref: '#/components/responses/NotFound'
-        '500':
-          $ref: '#/components/responses/InternalServerError'
-
-  /voice/sessions/{sessionId}/synthesize:
-    post:
-      tags: [Voice]
-      summary: Synthesize speech (TTS)
-      description: Converts text to speech audio
-      operationId: synthesizeSpeech
-      parameters:
-        - $ref: '#/components/parameters/SessionId'
-      requestBody:
-        required: true
-        content:
-          application/json:
-            schema:
-              $ref: '#/components/schemas/SynthesizeRequest'
-            example:
-              text: "Hello, how can I help you today?"
-              voice_config:
-                voice_id: "21m00Tcm4TlvDq8ikWAM"
-                model_id: "eleven_multilingual_v2"
-                stability: 0.5
-                similarity_boost: 0.75
-              format: "mp3"
-              sample_rate: 44100
-      responses:
-        '200':
-          description: Audio synthesis result
-          content:
-            application/json:
-              schema:
-                type: object
-                properties:
-                  success:
-                    type: boolean
-                  data:
-                    type: object
-                    properties:
-                      audio_data:
-                        type: string
-                        format: byte
-                        description: Base64-encoded audio data
-                      format:
-                        type: string
-                        example: "mp3"
-                      sample_rate:
-                        type: integer
-                        example: 44100
-                      duration:
-                        type: number
-                        format: float
-                        example: 2.5
-                      visemes:
-                        type: array
-                        items:
-                          $ref: '#/components/schemas/VisemeEvent'
-                  timestamp:
-                    type: string
-                    format: date-time
-          content:
-            audio/mpeg:
-              schema:
-                type: string
-                format: binary
-            audio/wav:
-              schema:
-                type: string
-                format: binary
-        '400':
-          $ref: '#/components/responses/BadRequest'
-        '401':
-          $ref: '#/components/responses/Unauthorized'
-        '404':
-          $ref: '#/components/responses/NotFound'
-        '500':
-          $ref: '#/components/responses/InternalServerError'
-
-  /voice/sessions/{sessionId}/synthesize-stream:
-    post:
-      tags: [Voice]
-      summary: Stream speech synthesis (TTS)
-      description: Streams text for real-time speech synthesis (returns audio stream)
-      operationId: synthesizeSpeechStream
-      parameters:
-        - $ref: '#/components/parameters/SessionId'
-      requestBody:
-        required: true
-        content:
-          application/json:
-            schema:
-              type: object
-              required:
-                - text
-              properties:
-                text:
-                  type: string
-                  example: "Hello, how can I help you today?"
-                voice_config:
-                  $ref: '#/components/schemas/VoiceConfig'
-                format:
-                  type: string
-                  enum: [mp3, wav, pcm]
-                  default: "mp3"
-                sample_rate:
-                  type: integer
-                  enum: [16000, 22050, 44100]
-                  default: 44100
-      responses:
-        '200':
-          description: Audio stream
-          content:
-            audio/mpeg:
-              schema:
-                type: string
-                format: binary
-            audio/wav:
-              schema:
-                type: string
-                format: binary
-        '400':
-          $ref: '#/components/responses/BadRequest'
-        '401':
-          $ref: '#/components/responses/Unauthorized'
-        '404':
-          $ref: '#/components/responses/NotFound'
-        '500':
-          $ref: '#/components/responses/InternalServerError'
-
-  /voice/sessions/{sessionId}/visemes:
-    post:
-      tags: [Voice]
-      summary: Get viseme events
-      description: Returns viseme (lip shape) events for text, used for avatar lip sync
-      operationId: getVisemes
-      parameters:
-        - $ref: '#/components/parameters/SessionId'
-      requestBody:
-        required: true
-        content:
-          application/json:
-            schema:
-              type: object
-              required:
-                - text
-              properties:
-                text:
-                  type: string
-                  example: "Hello, how can I help you today?"
-      responses:
-        '200':
-          description: Viseme events
-          content:
-            application/json:
-              schema:
-                $ref: '#/components/schemas/VisemeResponse'
-        '400':
-          $ref: '#/components/responses/BadRequest'
-        '401':
-          $ref: '#/components/responses/Unauthorized'
-        '404':
-          $ref: '#/components/responses/NotFound'
-        '500':
-          $ref: '#/components/responses/InternalServerError'
-
-  /voice/sessions/{sessionId}/status:
-    get:
-      tags: [Voice]
-      summary: Get voice session status
-      description: Returns the status of a voice session
-      operationId: getVoiceSessionStatus
-      parameters:
-        - $ref: '#/components/parameters/SessionId'
-      responses:
-        '200':
-          description: Voice session status
-          content:
-            application/json:
-              schema:
-                type: object
-                properties:
-                  success:
-                    type: boolean
-                  data:
-                    type: object
-                    properties:
-                      session_id:
-                        type: string
-                      state:
-                        type: string
-                        enum: [idle, listening, thinking, speaking]
-                      asr_status:
-                        type: string
-                        enum: [active, inactive, error]
-                      tts_status:
-                        type: string
-                        enum: [active, inactive, error]
-                      provider:
-                        type: object
-                        properties:
-                          asr:
-                            type: string
-                          tts:
-                            type: string
-                  timestamp:
-                    type: string
-                    format: date-time
-        '401':
-          $ref: '#/components/responses/Unauthorized'
-        '404':
-          $ref: '#/components/responses/NotFound'
-        '500':
-          $ref: '#/components/responses/InternalServerError'
-
-  /voice/providers:
-    get:
-      tags: [Providers]
-      summary: List voice providers
-      description: Returns a list of available TTS and ASR providers
-      operationId: listVoiceProviders
-      responses:
-        '200':
-          description: List of providers
-          content:
-            application/json:
-              schema:
-                $ref: '#/components/schemas/ProviderListResponse'
-        '401':
-          $ref: '#/components/responses/Unauthorized'
-        '500':
-          $ref: '#/components/responses/InternalServerError'
-
-  /voice/webhooks:
-    post:
-      tags: [Voice]
-      summary: Register webhook
-      description: Registers a webhook URL for voice session events
-      operationId: registerVoiceWebhook
-      requestBody:
-        required: true
-        content:
-          application/json:
-            schema:
-              $ref: '#/components/schemas/RegisterWebhookRequest'
-            example:
-              url: "https://api.example.com/webhooks/voice"
-              events:
-                - "transcription.complete"
-                - "synthesis.complete"
-                - "session.state_changed"
-              secret: "webhook_secret_token"
-      responses:
-        '201':
-          description: Webhook registered
-          content:
-            application/json:
-              schema:
-                $ref: '#/components/schemas/WebhookResponse'
-        '400':
-          $ref: '#/components/responses/BadRequest'
-        '401':
-          $ref: '#/components/responses/Unauthorized'
-        '403':
-          $ref: '#/components/responses/Forbidden'
-        '500':
-          $ref: '#/components/responses/InternalServerError'
-
-  /realtime/{sessionId}:
-    get:
-      tags: [Conversation]
-      summary: WebRTC signaling endpoint
-      description: WebSocket endpoint for WebRTC signaling (SDP exchange, ICE candidates)
-      operationId: webrtcSignaling
-      parameters:
-        - $ref: '#/components/parameters/SessionId'
-      responses:
-        '101':
-          description: Switching protocols to WebSocket
-          headers:
-            Upgrade:
-              schema:
-                type: string
-                example: "websocket"
-            Connection:
-              schema:
-                type: string
-                example: "Upgrade"
-        '400':
-          $ref: '#/components/responses/BadRequest'
-        '401':
-          $ref: '#/components/responses/Unauthorized'
-        '404':
-          $ref: '#/components/responses/NotFound'
-
-components:
-  securitySchemes:
-    BearerAuth:
-      type: http
-      scheme: bearer
-      bearerFormat: JWT
-      description: JWT token or ephemeral session token
-
-  parameters:
-    SessionId:
-      name: sessionId
-      in: path
-      required: true
-      description: Session ID
-      schema:
-        type: string
-        example: "sess-abc123"
-
-  schemas:
-    CreateSessionRequest:
-      type: object
-      required:
-        - tenant_id
-        - user_id
-        - auth_assertion
-      properties:
-        tenant_id:
-          type: string
-          description: Tenant identifier
-          example: "tenant-123"
-        user_id:
-          type: string
-          description: User identifier
-          example: "user-456"
-        auth_assertion:
-          type: string
-          description: JWT authentication token
-          example: "jwt-token"
-        portal_context:
-          type: object
-          description: Portal context for session
-          properties:
-            route:
-              type: string
-              example: "/account"
-            account_id:
-              type: string
-              example: "acc-789"
-
-    CreateVoiceSessionRequest:
-      type: object
-      required:
-        - session_id
-      properties:
-        session_id:
-          type: string
-          description: Parent session ID
-          example: "sess-abc123"
-        provider:
-          type: object
-          properties:
-            asr:
-              type: string
-              enum: [mock, deepgram, google]
-              default: "mock"
-              example: "deepgram"
-            tts:
-              type: string
-              enum: [mock, elevenlabs, azure]
-              default: "mock"
-              example: "elevenlabs"
-        voice_config:
-          $ref: '#/components/schemas/VoiceConfig'
-
-    VoiceConfig:
-      type: object
-      properties:
-        voice_id:
-          type: string
-          description: Voice ID (provider-specific)
-          example: "21m00Tcm4TlvDq8ikWAM"
-        model_id:
-          type: string
-          description: Model ID (provider-specific)
-          example: "eleven_multilingual_v2"
-        stability:
-          type: number
-          format: float
-          description: Stability parameter (0.0-1.0)
-          minimum: 0.0
-          maximum: 1.0
-          example: 0.5
-        similarity_boost:
-          type: number
-          format: float
-          description: Similarity boost parameter (0.0-1.0)
-          minimum: 0.0
-          maximum: 1.0
-          example: 0.75
-        style:
-          type: number
-          format: float
-          description: Style parameter (0.0-1.0, ElevenLabs)
-          minimum: 0.0
-          maximum: 1.0
-        use_speaker_boost:
-          type: boolean
-          description: Enable speaker boost (ElevenLabs)
-
-    SynthesizeRequest:
-      type: object
-      required:
-        - text
-      properties:
-        text:
-          type: string
-          description: Text to synthesize
-          example: "Hello, how can I help you today?"
-        voice_config:
-          $ref: '#/components/schemas/VoiceConfig'
-        format:
-          type: string
-          enum: [mp3, wav, pcm]
-          default: "mp3"
-          example: "mp3"
-        sample_rate:
-          type: integer
-          enum: [16000, 22050, 44100]
-          default: 44100
-          example: 44100
-
-    RegisterWebhookRequest:
-      type: object
-      required:
-        - url
-        - events
-      properties:
-        url:
-          type: string
-          format: uri
-          description: Webhook URL
-          example: "https://api.example.com/webhooks/voice"
-        events:
-          type: array
-          description: Events to subscribe to
-          items:
-            type: string
-            enum: [transcription.complete, transcription.partial, synthesis.complete, session.state_changed, session.created, session.ended]
-          example: ["transcription.complete", "synthesis.complete"]
-        secret:
-          type: string
-          description: Webhook secret for signature verification
-          example: "webhook_secret_token"
-        active:
-          type: boolean
-          default: true
-
-    Session:
-      type: object
-      properties:
-        session_id:
-          type: string
-        tenant_id:
-          type: string
-        user_id:
-          type: string
-        ephemeral_token:
-          type: string
-        config:
-          type: object
-          properties:
-            theme:
-              type: object
-              properties:
-                primaryColor:
-                  type: string
-            avatar_enabled:
-              type: boolean
-            greeting:
-              type: string
-            allowed_tools:
-              type: array
-              items:
-                type: string
-            policy:
-              type: object
-              properties:
-                max_session_duration_minutes:
-                  type: integer
-                rate_limit_per_minute:
-                  type: integer
-                require_consent:
-                  type: boolean
-        expires_at:
-          type: string
-          format: date-time
-        created_at:
-          type: string
-          format: date-time
-
-    SessionResponse:
-      allOf:
-        - $ref: '#/components/schemas/BaseResponse'
-        - type: object
-          properties:
-            data:
-              $ref: '#/components/schemas/Session'
-
-    SessionListResponse:
-      allOf:
-        - $ref: '#/components/schemas/BaseResponse'
-        - type: object
-          properties:
-            data:
-              type: object
-              properties:
-                sessions:
-                  type: array
-                  items:
-                    $ref: '#/components/schemas/Session'
-
-    VoiceSession:
-      type: object
-      properties:
-        session_id:
-          type: string
-        state:
-          type: string
-          enum: [idle, listening, thinking, speaking]
-        provider:
-          type: object
-          properties:
-            asr:
-              type: string
-            tts:
-              type: string
-        voice_config:
-          $ref: '#/components/schemas/VoiceConfig'
-        created_at:
-          type: string
-          format: date-time
-
-    VoiceSessionResponse:
-      allOf:
-        - $ref: '#/components/schemas/BaseResponse'
-        - type: object
-          properties:
-            data:
-              $ref: '#/components/schemas/VoiceSession'
-
-    TranscriptionEvent:
-      type: object
-      properties:
-        type:
-          type: string
-          enum: [partial, final]
-        text:
-          type: string
-        confidence:
-          type: number
-          format: float
-          minimum: 0.0
-          maximum: 1.0
-        timestamp:
-          type: integer
-          format: int64
-        words:
-          type: array
-          items:
-            $ref: '#/components/schemas/Word'
-
-    Word:
-      type: object
-      properties:
-        word:
-          type: string
-        start_time:
-          type: number
-          format: float
-        end_time:
-          type: number
-          format: float
-        confidence:
-          type: number
-          format: float
-          minimum: 0.0
-          maximum: 1.0
-
-    TranscriptionResponse:
-      allOf:
-        - $ref: '#/components/schemas/BaseResponse'
-        - type: object
-          properties:
-            data:
-              $ref: '#/components/schemas/TranscriptionEvent'
-
-    VisemeEvent:
-      type: object
-      properties:
-        viseme:
-          type: string
-          description: Viseme identifier (e.g., "sil", "aa", "ee", "oh", "ou")
-          example: "aa"
-        start_time:
-          type: number
-          format: float
-          description: Start time in seconds
-          example: 0.1
-        end_time:
-          type: number
-          format: float
-          description: End time in seconds
-          example: 0.3
-        phoneme:
-          type: string
-          description: Phoneme identifier (optional)
-          example: "/a/"
-
-    VisemeResponse:
-      allOf:
-        - $ref: '#/components/schemas/BaseResponse'
-        - type: object
-          properties:
-            data:
-              type: object
-              properties:
-                text:
-                  type: string
-                visemes:
-                  type: array
-                  items:
-                    $ref: '#/components/schemas/VisemeEvent'
-                duration:
-                  type: number
-                  format: float
-
-    Provider:
-      type: object
-      properties:
-        id:
-          type: string
-        name:
-          type: string
-        type:
-          type: string
-          enum: [asr, tts]
-        available:
-          type: boolean
-        configured:
-          type: boolean
-        features:
-          type: array
-          items:
-            type: string
-          example: ["streaming", "word_timestamps", "custom_voice"]
-
-    ProviderListResponse:
-      allOf:
-        - $ref: '#/components/schemas/BaseResponse'
-        - type: object
-          properties:
-            data:
-              type: object
-              properties:
-                providers:
-                  type: array
-                  items:
-                    $ref: '#/components/schemas/Provider'
-
-    Webhook:
-      type: object
-      properties:
-        webhook_id:
-          type: string
-        url:
-          type: string
-        events:
-          type: array
-          items:
-            type: string
-        active:
-          type: boolean
-        created_at:
-          type: string
-          format: date-time
-
-    WebhookResponse:
-      allOf:
-        - $ref: '#/components/schemas/BaseResponse'
-        - type: object
-          properties:
-            data:
-              $ref: '#/components/schemas/Webhook'
-
-    BaseResponse:
-      type: object
-      properties:
-        success:
-          type: boolean
-          example: true
-        timestamp:
-          type: string
-          format: date-time
-
-    ErrorResponse:
-      type: object
-      properties:
-        success:
-          type: boolean
-          example: false
-        error:
-          type: object
-          properties:
-            code:
-              type: string
-              example: "VALIDATION_ERROR"
-            message:
-              type: string
-              example: "Invalid request parameters"
-            details:
-              type: object
-        timestamp:
-          type: string
-          format: date-time
-
-  responses:
-    BadRequest:
-      description: Bad request - validation error
-      content:
-        application/json:
-          schema:
-            $ref: '#/components/schemas/ErrorResponse'
-
-    Unauthorized:
-      description: Unauthorized - missing or invalid authentication
-      content:
-        application/json:
-          schema:
-            $ref: '#/components/schemas/ErrorResponse'
-
-    Forbidden:
-      description: Forbidden - insufficient permissions
-      content:
-        application/json:
-          schema:
-            $ref: '#/components/schemas/ErrorResponse'
-
-    NotFound:
-      description: Resource not found
-      content:
-        application/json:
-          schema:
-            $ref: '#/components/schemas/ErrorResponse'
-
-    InternalServerError:
-      description: Internal server error
-      content:
-        application/json:
-          schema:
-            $ref: '#/components/schemas/ErrorResponse'
diff --git a/virtual-banker/scripts/setup-database.sh b/virtual-banker/scripts/setup-database.sh
deleted file mode 100755
index 883bb0f..0000000
--- a/virtual-banker/scripts/setup-database.sh
+++ /dev/null
@@ -1,35 +0,0 @@
-#!/bin/bash
-
-# Setup Virtual Banker Database
-# This script runs all database migrations
-
-set -e
-
-SCRIPT_DIR="$(cd "$(dirname "${BASH_SOURCE[0]}")" && pwd)"
-PROJECT_ROOT="$(cd "$SCRIPT_DIR/.." && pwd)"
-DB_DIR="$PROJECT_ROOT/database/migrations"
-
-# Load environment variables
-if [ -f "$PROJECT_ROOT/.env" ]; then
-    export $(cat "$PROJECT_ROOT/.env" | grep -v '^#' | xargs)
-fi
-
-# Set defaults
-export PGHOST="${PGHOST:-localhost}"
-export PGPORT="${PGPORT:-5432}"
-export PGUSER="${PGUSER:-explorer}"
-export PGPASSWORD="${PGPASSWORD:-changeme}"
-export PGDATABASE="${PGDATABASE:-explorer}"
-
-echo "Running database migrations..."
-
-# Run migrations in order
-for migration in "$DB_DIR"/*.up.sql; do
-    if [ -f "$migration" ]; then
-        echo "Running $(basename $migration)..."
-        PGPASSWORD="$PGPASSWORD" psql -h "$PGHOST" -p "$PGPORT" -U "$PGUSER" -d "$PGDATABASE" -f "$migration"
-    fi
-done
-
-echo "Database setup complete!"
-
diff --git a/virtual-banker/scripts/start-backend.sh b/virtual-banker/scripts/start-backend.sh
deleted file mode 100755
index dc952d8..0000000
--- a/virtual-banker/scripts/start-backend.sh
+++ /dev/null
@@ -1,31 +0,0 @@
-#!/bin/bash
-
-# Start Virtual Banker Backend Service
-# This script starts the backend API server with proper environment configuration
-
-set -e
-
-SCRIPT_DIR="$(cd "$(dirname "${BASH_SOURCE[0]}")" && pwd)"
-PROJECT_ROOT="$(cd "$SCRIPT_DIR/.." && pwd)"
-BACKEND_DIR="$PROJECT_ROOT/backend"
-
-cd "$BACKEND_DIR"
-
-# Load environment variables
-if [ -f "$PROJECT_ROOT/.env" ]; then
-    export $(cat "$PROJECT_ROOT/.env" | grep -v '^#' | xargs)
-fi
-
-# Set defaults
-export DATABASE_URL="${DATABASE_URL:-postgres://explorer:changeme@localhost:5432/explorer?sslmode=disable}"
-export REDIS_URL="${REDIS_URL:-redis://localhost:6379}"
-export PORT="${PORT:-8081}"
-
-echo "Starting Virtual Banker Backend..."
-echo "Database: $DATABASE_URL"
-echo "Redis: $REDIS_URL"
-echo "Port: $PORT"
-
-# Run the service
-go run main.go
-
diff --git a/virtual-banker/widget/package.json b/virtual-banker/widget/package.json
deleted file mode 100644
index 902bf2e..0000000
--- a/virtual-banker/widget/package.json
+++ /dev/null
@@ -1,27 +0,0 @@
-{
-  "name": "@explorer/virtual-banker-widget",
-  "version": "1.0.0",
-  "description": "Embeddable Virtual Banker widget",
-  "main": "dist/widget.js",
-  "scripts": {
-    "build": "webpack --mode production",
-    "dev": "webpack --mode development --watch",
-    "type-check": "tsc --noEmit"
-  },
-  "dependencies": {
-    "react": "^18.2.0",
-    "react-dom": "^18.2.0"
-  },
-  "devDependencies": {
-    "@types/react": "^18.2.45",
-    "@types/react-dom": "^18.2.18",
-    "typescript": "^5.3.3",
-    "webpack": "^5.89.0",
-    "webpack-cli": "^5.1.4",
-    "ts-loader": "^9.5.1",
-    "css-loader": "^6.8.1",
-    "style-loader": "^3.3.3",
-    "html-webpack-plugin": "^5.5.3"
-  }
-}
-
diff --git a/virtual-banker/widget/public/index.html b/virtual-banker/widget/public/index.html
deleted file mode 100644
index 6e23e0f..0000000
--- a/virtual-banker/widget/public/index.html
+++ /dev/null
@@ -1,12 +0,0 @@
-<!DOCTYPE html>
-<html lang="en">
-<head>
-  <meta charset="UTF-8">
-  <meta name="viewport" content="width=device-width, initial-scale=1.0">
-  <title>Virtual Banker Widget</title>
-</head>
-<body>
-  <div id="virtual-banker-widget"></div>
-</body>
-</html>
-
diff --git a/virtual-banker/widget/public/widget.js b/virtual-banker/widget/public/widget.js
deleted file mode 100644
index bfdfd31..0000000
--- a/virtual-banker/widget/public/widget.js
+++ /dev/null
@@ -1,80 +0,0 @@
-/**
- * Virtual Banker Widget Loader
- * 
- * Usage:
- * <script src="path/to/widget.js" 
- *         data-tenant-id="your-tenant-id"
- *         data-user-id="user-id"
- *         data-auth-token="jwt-token"
- *         data-api-url="https://api.example.com"
- *         data-avatar-enabled="true"></script>
- * <div id="virtual-banker-widget"></div>
- */
-
-(function() {
-  'use strict';
-
-  // Get configuration from script tag
-  const script = document.currentScript;
-  const config = {
-    tenantId: script.getAttribute('data-tenant-id') || 'default',
-    userId: script.getAttribute('data-user-id') || undefined,
-    authToken: script.getAttribute('data-auth-token') || undefined,
-    apiUrl: script.getAttribute('data-api-url') || undefined,
-    avatarEnabled: script.getAttribute('data-avatar-enabled') !== 'false',
-  };
-
-  // Load React and ReactDOM (should be loaded separately or bundled)
-  // For now, this is a placeholder - the actual widget will be loaded via the built bundle
-  console.log('Virtual Banker Widget Loader initialized', config);
-
-  // Create container if it doesn't exist
-  let container = document.getElementById('virtual-banker-widget');
-  if (!container) {
-    container = document.createElement('div');
-    container.id = 'virtual-banker-widget';
-    document.body.appendChild(container);
-  }
-
-  // Store config for widget initialization
-  container.dataset.tenantId = config.tenantId;
-  if (config.userId) container.dataset.userId = config.userId;
-  if (config.authToken) container.dataset.authToken = config.authToken;
-  if (config.apiUrl) container.dataset.apiUrl = config.apiUrl;
-  container.dataset.avatarEnabled = config.avatarEnabled.toString();
-
-  // Export API for programmatic control
-  window.VirtualBankerWidgetAPI = {
-    open: function() {
-      const widget = document.getElementById('virtual-banker-widget');
-      if (widget) {
-        widget.style.display = 'block';
-      }
-    },
-    close: function() {
-      const widget = document.getElementById('virtual-banker-widget');
-      if (widget) {
-        widget.style.display = 'none';
-      }
-    },
-    minimize: function() {
-      const widget = document.getElementById('virtual-banker-widget');
-      if (widget) {
-        widget.classList.add('minimized');
-      }
-    },
-    setContext: function(context) {
-      const widget = document.getElementById('virtual-banker-widget');
-      if (widget) {
-        widget.dataset.context = JSON.stringify(context);
-      }
-    },
-    setAuthToken: function(token) {
-      const widget = document.getElementById('virtual-banker-widget');
-      if (widget) {
-        widget.dataset.authToken = token;
-      }
-    },
-  };
-})();
-
diff --git a/virtual-banker/widget/src/App.css b/virtual-banker/widget/src/App.css
deleted file mode 100644
index d5aae0c..0000000
--- a/virtual-banker/widget/src/App.css
+++ /dev/null
@@ -1,94 +0,0 @@
-.widget-container {
-  width: 400px;
-  height: 600px;
-  border: 1px solid #ddd;
-  border-radius: 8px;
-  display: flex;
-  flex-direction: column;
-  background: white;
-  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.1);
-  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', 'Roboto', 'Oxygen',
-    'Ubuntu', 'Cantarell', 'Fira Sans', 'Droid Sans', 'Helvetica Neue', sans-serif;
-}
-
-.widget-container.loading,
-.widget-container.error {
-  align-items: center;
-  justify-content: center;
-  padding: 24px;
-}
-
-.loading-spinner {
-  font-size: 16px;
-  color: #666;
-}
-
-.error-message {
-  color: #d32f2f;
-  margin-bottom: 16px;
-  text-align: center;
-}
-
-.widget-header {
-  display: flex;
-  justify-content: space-between;
-  align-items: center;
-  padding: 16px;
-  border-bottom: 1px solid #e0e0e0;
-}
-
-.widget-header h1 {
-  margin: 0;
-  font-size: 20px;
-  font-weight: 600;
-}
-
-.settings-button {
-  background: none;
-  border: none;
-  font-size: 20px;
-  cursor: pointer;
-  padding: 4px 8px;
-  border-radius: 4px;
-  transition: background-color 0.2s;
-}
-
-.settings-button:hover {
-  background-color: #f0f0f0;
-}
-
-.widget-content {
-  flex: 1;
-  display: flex;
-  flex-direction: column;
-  overflow: hidden;
-}
-
-.widget-avatar-section {
-  height: 200px;
-  padding: 8px;
-}
-
-.widget-chat-section {
-  flex: 1;
-  min-height: 0;
-}
-
-/* Responsive adjustments */
-@media (max-width: 480px) {
-  .widget-container {
-    width: 100%;
-    height: 100vh;
-    border-radius: 0;
-  }
-}
-
-/* Reduced motion support */
-@media (prefers-reduced-motion: reduce) {
-  * {
-    animation-duration: 0.01ms !important;
-    animation-iteration-count: 1 !important;
-    transition-duration: 0.01ms !important;
-  }
-}
-
diff --git a/virtual-banker/widget/src/App.tsx b/virtual-banker/widget/src/App.tsx
deleted file mode 100644
index 25c6f74..0000000
--- a/virtual-banker/widget/src/App.tsx
+++ /dev/null
@@ -1,189 +0,0 @@
-import React, { useState, useEffect } from 'react';
-import { ChatPanel } from './components/ChatPanel';
-import { VoiceControls } from './components/VoiceControls';
-import { AvatarView } from './components/AvatarView';
-import { Captions } from './components/Captions';
-import { Settings } from './components/Settings';
-import { useSession } from './hooks/useSession';
-import { useConversation } from './hooks/useConversation';
-import { useWebRTC } from './hooks/useWebRTC';
-import { PostMessageAPI } from './services/postMessage';
-import { WidgetConfig } from './types';
-import './App.css';
-
-// Default config - can be overridden via postMessage or data attributes
-const getConfig = (): WidgetConfig => {
-  const script = document.querySelector('script[data-tenant-id]');
-  if (script) {
-    return {
-      tenantId: script.getAttribute('data-tenant-id') || 'default',
-      userId: script.getAttribute('data-user-id') || undefined,
-      authToken: script.getAttribute('data-auth-token') || undefined,
-      apiUrl: script.getAttribute('data-api-url') || undefined,
-      avatarEnabled: script.getAttribute('data-avatar-enabled') !== 'false',
-    };
-  }
-
-  return {
-    tenantId: 'default',
-    avatarEnabled: true,
-  };
-};
-
-export const App: React.FC = () => {
-  const [config] = useState<WidgetConfig>(getConfig());
-  const [showSettings, setShowSettings] = useState(false);
-  const [showCaptions, setShowCaptions] = useState(true);
-  const [avatarEnabled, setAvatarEnabled] = useState(config.avatarEnabled ?? true);
-  const [volume, setVolume] = useState(100);
-  const [isMuted, setIsMuted] = useState(false);
-  const [captionText, setCaptionText] = useState('');
-
-  const postMessage = new PostMessageAPI();
-  const { session, loading, error, createSession, endSession } = useSession(config);
-  const {
-    messages,
-    isListening,
-    isSpeaking,
-    setIsListening,
-    setIsSpeaking,
-    sendMessage,
-    receiveMessage,
-  } = useConversation();
-  const { isConnected, remoteStream, initializeWebRTC, closeWebRTC } = useWebRTC();
-
-  // Initialize session on mount
-  useEffect(() => {
-    createSession();
-  }, []);
-
-  // Initialize WebRTC when session is ready
-  useEffect(() => {
-    if (session && !isConnected) {
-      initializeWebRTC();
-    }
-  }, [session, isConnected]);
-
-  // Cleanup on unmount
-  useEffect(() => {
-    return () => {
-      endSession();
-      closeWebRTC();
-    };
-  }, []);
-
-  // Send ready event
-  useEffect(() => {
-    if (session) {
-      postMessage.ready();
-      postMessage.sessionStarted(session.sessionId);
-    }
-  }, [session]);
-
-  // Listen for messages from host
-  useEffect(() => {
-    const unsubscribe = postMessage.on('open', () => {
-      // Widget opened
-    });
-
-    return unsubscribe;
-  }, []);
-
-  const handleSendMessage = (message: string) => {
-    sendMessage(message);
-    // TODO: Send to backend via WebRTC or WebSocket
-  };
-
-  const handlePushToTalk = () => {
-    setIsListening(true);
-    // TODO: Start audio capture
-  };
-
-  const handleHandsFree = () => {
-    setIsListening(true);
-    // TODO: Enable continuous listening
-  };
-
-  const handleToggleMute = () => {
-    setIsMuted(!isMuted);
-    // TODO: Mute/unmute audio
-  };
-
-  if (loading) {
-    return (
-      <div className="widget-container loading">
-        <div className="loading-spinner">Loading...</div>
-      </div>
-    );
-  }
-
-  if (error) {
-    return (
-      <div className="widget-container error">
-        <div className="error-message">Error: {error}</div>
-        <button onClick={createSession}>Retry</button>
-      </div>
-    );
-  }
-
-  return (
-    <div className="widget-container">
-      <div className="widget-header">
-        <h1>Virtual Banker</h1>
-        <button
-          onClick={() => setShowSettings(true)}
-          className="settings-button"
-          aria-label="Settings"
-        >
-          ⚙️
-        </button>
-      </div>
-
-      <div className="widget-content">
-        {avatarEnabled && (
-          <div className="widget-avatar-section">
-            <AvatarView
-              enabled={avatarEnabled}
-              videoStream={remoteStream || undefined}
-              onToggle={() => setAvatarEnabled(false)}
-            />
-          </div>
-        )}
-
-        <div className="widget-chat-section">
-          <ChatPanel
-            messages={messages}
-            onSendMessage={handleSendMessage}
-            isListening={isListening}
-            isSpeaking={isSpeaking}
-            showCaptions={showCaptions}
-            onToggleCaptions={() => setShowCaptions(!showCaptions)}
-          />
-        </div>
-      </div>
-
-      <VoiceControls
-        onPushToTalk={handlePushToTalk}
-        onHandsFree={handleHandsFree}
-        isListening={isListening}
-        isMuted={isMuted}
-        onToggleMute={handleToggleMute}
-        volume={volume}
-        onVolumeChange={setVolume}
-      />
-
-      <Captions text={captionText} visible={showCaptions} />
-
-      {showSettings && (
-        <Settings
-          showCaptions={showCaptions}
-          onToggleCaptions={() => setShowCaptions(!showCaptions)}
-          avatarEnabled={avatarEnabled}
-          onToggleAvatar={() => setAvatarEnabled(!avatarEnabled)}
-          onClose={() => setShowSettings(false)}
-        />
-      )}
-    </div>
-  );
-};
-
diff --git a/virtual-banker/widget/src/components/AvatarView.css b/virtual-banker/widget/src/components/AvatarView.css
deleted file mode 100644
index 0242335..0000000
--- a/virtual-banker/widget/src/components/AvatarView.css
+++ /dev/null
@@ -1,60 +0,0 @@
-.avatar-view {
-  position: relative;
-  width: 100%;
-  height: 100%;
-  background-color: #000;
-  display: flex;
-  align-items: center;
-  justify-content: center;
-  border-radius: 8px;
-  overflow: hidden;
-}
-
-.avatar-view.disabled {
-  background-color: #f5f5f5;
-}
-
-.avatar-video {
-  width: 100%;
-  height: 100%;
-  object-fit: contain;
-}
-
-.avatar-toggle {
-  position: absolute;
-  top: 8px;
-  right: 8px;
-  width: 32px;
-  height: 32px;
-  border-radius: 50%;
-  border: none;
-  background-color: rgba(0, 0, 0, 0.6);
-  color: white;
-  cursor: pointer;
-  font-size: 18px;
-  display: flex;
-  align-items: center;
-  justify-content: center;
-  transition: background-color 0.2s;
-}
-
-.avatar-toggle:hover {
-  background-color: rgba(0, 0, 0, 0.8);
-}
-
-.enable-avatar-button {
-  padding: 12px 24px;
-  background-color: #0066cc;
-  color: white;
-  border: none;
-  border-radius: 4px;
-  cursor: pointer;
-  font-size: 14px;
-  font-weight: 500;
-  transition: background-color 0.2s;
-}
-
-.enable-avatar-button:hover {
-  background-color: #0052a3;
-}
-
diff --git a/virtual-banker/widget/src/components/AvatarView.tsx b/virtual-banker/widget/src/components/AvatarView.tsx
deleted file mode 100644
index afb652f..0000000
--- a/virtual-banker/widget/src/components/AvatarView.tsx
+++ /dev/null
@@ -1,53 +0,0 @@
-import React, { useRef, useEffect } from 'react';
-import './AvatarView.css';
-
-interface AvatarViewProps {
-  enabled: boolean;
-  videoStream?: MediaStream;
-  onToggle: () => void;
-}
-
-export const AvatarView: React.FC<AvatarViewProps> = ({
-  enabled,
-  videoStream,
-  onToggle,
-}) => {
-  const videoRef = useRef<HTMLVideoElement>(null);
-
-  useEffect(() => {
-    if (videoRef.current && videoStream) {
-      videoRef.current.srcObject = videoStream;
-    }
-  }, [videoStream]);
-
-  if (!enabled) {
-    return (
-      <div className="avatar-view disabled">
-        <button onClick={onToggle} className="enable-avatar-button" aria-label="Enable avatar">
-          Enable Avatar
-        </button>
-      </div>
-    );
-  }
-
-  return (
-    <div className="avatar-view" role="region" aria-label="Avatar video">
-      <video
-        ref={videoRef}
-        autoPlay
-        playsInline
-        muted
-        className="avatar-video"
-        aria-label="Virtual Banker avatar"
-      />
-      <button
-        onClick={onToggle}
-        className="avatar-toggle"
-        aria-label="Hide avatar"
-      >
-        ✕
-      </button>
-    </div>
-  );
-};
-
diff --git a/virtual-banker/widget/src/components/Captions.css b/virtual-banker/widget/src/components/Captions.css
deleted file mode 100644
index a51fd9a..0000000
--- a/virtual-banker/widget/src/components/Captions.css
+++ /dev/null
@@ -1,17 +0,0 @@
-.captions {
-  position: fixed;
-  bottom: 80px;
-  left: 50%;
-  transform: translateX(-50%);
-  max-width: 80%;
-  padding: 12px 16px;
-  background-color: rgba(0, 0, 0, 0.8);
-  color: white;
-  border-radius: 4px;
-  font-size: 16px;
-  line-height: 1.5;
-  z-index: 1000;
-  text-align: center;
-  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.3);
-}
-
diff --git a/virtual-banker/widget/src/components/Captions.tsx b/virtual-banker/widget/src/components/Captions.tsx
deleted file mode 100644
index c92e7bc..0000000
--- a/virtual-banker/widget/src/components/Captions.tsx
+++ /dev/null
@@ -1,20 +0,0 @@
-import React from 'react';
-import './Captions.css';
-
-interface CaptionsProps {
-  text: string;
-  visible: boolean;
-}
-
-export const Captions: React.FC<CaptionsProps> = ({ text, visible }) => {
-  if (!visible || !text) {
-    return null;
-  }
-
-  return (
-    <div className="captions" role="status" aria-live="polite" aria-atomic="true">
-      {text}
-    </div>
-  );
-};
-
diff --git a/virtual-banker/widget/src/components/ChatPanel.css b/virtual-banker/widget/src/components/ChatPanel.css
deleted file mode 100644
index b5d54ee..0000000
--- a/virtual-banker/widget/src/components/ChatPanel.css
+++ /dev/null
@@ -1,141 +0,0 @@
-.chat-panel {
-  display: flex;
-  flex-direction: column;
-  height: 100%;
-  background: #ffffff;
-  border-radius: 8px;
-  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.1);
-}
-
-.chat-header {
-  display: flex;
-  justify-content: space-between;
-  align-items: center;
-  padding: 16px;
-  border-bottom: 1px solid #e0e0e0;
-}
-
-.chat-header h2 {
-  margin: 0;
-  font-size: 18px;
-  font-weight: 600;
-}
-
-.caption-toggle {
-  background: none;
-  border: none;
-  font-size: 20px;
-  cursor: pointer;
-  padding: 4px 8px;
-  border-radius: 4px;
-  transition: background-color 0.2s;
-}
-
-.caption-toggle:hover {
-  background-color: #f0f0f0;
-}
-
-.chat-messages {
-  flex: 1;
-  overflow-y: auto;
-  padding: 16px;
-  display: flex;
-  flex-direction: column;
-  gap: 12px;
-}
-
-.message {
-  display: flex;
-  flex-direction: column;
-  max-width: 80%;
-  padding: 12px;
-  border-radius: 8px;
-}
-
-.message-user {
-  align-self: flex-end;
-  background-color: #0066cc;
-  color: white;
-}
-
-.message-assistant {
-  align-self: flex-start;
-  background-color: #f0f0f0;
-  color: #333;
-}
-
-.message-content {
-  word-wrap: break-word;
-  line-height: 1.5;
-}
-
-.message-timestamp {
-  font-size: 11px;
-  opacity: 0.7;
-  margin-top: 4px;
-}
-
-.chat-status {
-  padding: 8px 16px;
-  min-height: 32px;
-  display: flex;
-  align-items: center;
-}
-
-.status-indicator {
-  font-size: 14px;
-  padding: 4px 8px;
-  border-radius: 4px;
-}
-
-.status-indicator.listening {
-  background-color: #e3f2fd;
-  color: #1976d2;
-}
-
-.status-indicator.speaking {
-  background-color: #fff3e0;
-  color: #f57c00;
-}
-
-.chat-input-form {
-  display: flex;
-  padding: 16px;
-  border-top: 1px solid #e0e0e0;
-  gap: 8px;
-}
-
-.chat-input {
-  flex: 1;
-  padding: 10px 12px;
-  border: 1px solid #ddd;
-  border-radius: 4px;
-  font-size: 14px;
-}
-
-.chat-input:focus {
-  outline: none;
-  border-color: #0066cc;
-}
-
-.send-button {
-  padding: 10px 20px;
-  background-color: #0066cc;
-  color: white;
-  border: none;
-  border-radius: 4px;
-  cursor: pointer;
-  font-size: 14px;
-  font-weight: 500;
-  transition: background-color 0.2s;
-}
-
-.send-button:hover:not(:disabled) {
-  background-color: #0052a3;
-}
-
-.send-button:disabled {
-  opacity: 0.5;
-  cursor: not-allowed;
-}
-
diff --git a/virtual-banker/widget/src/components/ChatPanel.tsx b/virtual-banker/widget/src/components/ChatPanel.tsx
deleted file mode 100644
index 5f5bf59..0000000
--- a/virtual-banker/widget/src/components/ChatPanel.tsx
+++ /dev/null
@@ -1,101 +0,0 @@
-import React, { useState, useRef, useEffect } from 'react';
-import { Message } from '../types';
-import './ChatPanel.css';
-
-interface ChatPanelProps {
-  messages: Message[];
-  onSendMessage: (message: string) => void;
-  isListening: boolean;
-  isSpeaking: boolean;
-  showCaptions: boolean;
-  onToggleCaptions: () => void;
-}
-
-export const ChatPanel: React.FC<ChatPanelProps> = ({
-  messages,
-  onSendMessage,
-  isListening,
-  isSpeaking,
-  showCaptions,
-  onToggleCaptions,
-}) => {
-  const [input, setInput] = useState('');
-  const messagesEndRef = useRef<HTMLDivElement>(null);
-
-  useEffect(() => {
-    messagesEndRef.current?.scrollIntoView({ behavior: 'smooth' });
-  }, [messages]);
-
-  const handleSubmit = (e: React.FormEvent) => {
-    e.preventDefault();
-    if (input.trim()) {
-      onSendMessage(input.trim());
-      setInput('');
-    }
-  };
-
-  return (
-    <div className="chat-panel" role="region" aria-label="Chat conversation">
-      <div className="chat-header">
-        <h2>Virtual Banker</h2>
-        <button
-          onClick={onToggleCaptions}
-          className="caption-toggle"
-          aria-label={showCaptions ? 'Hide captions' : 'Show captions'}
-        >
-          {showCaptions ? '📝' : '📄'}
-        </button>
-      </div>
-
-      <div className="chat-messages" role="log" aria-live="polite" aria-atomic="false">
-        {messages.map((message) => (
-          <div
-            key={message.id}
-            className={`message message-${message.role}`}
-            role={message.role === 'user' ? 'user' : 'assistant'}
-          >
-            <div className="message-content">{message.content}</div>
-            <div className="message-timestamp">
-              {message.timestamp.toLocaleTimeString()}
-            </div>
-          </div>
-        ))}
-        <div ref={messagesEndRef} />
-      </div>
-
-      <div className="chat-status">
-        {isListening && (
-          <span className="status-indicator listening" aria-label="Listening">
-            🎤 Listening...
-          </span>
-        )}
-        {isSpeaking && (
-          <span className="status-indicator speaking" aria-label="Speaking">
-            🔊 Speaking...
-          </span>
-        )}
-      </div>
-
-      <form onSubmit={handleSubmit} className="chat-input-form">
-        <input
-          type="text"
-          value={input}
-          onChange={(e) => setInput(e.target.value)}
-          placeholder="Type your message..."
-          className="chat-input"
-          aria-label="Message input"
-          disabled={isSpeaking}
-        />
-        <button
-          type="submit"
-          className="send-button"
-          aria-label="Send message"
-          disabled={!input.trim() || isSpeaking}
-        >
-          Send
-        </button>
-      </form>
-    </div>
-  );
-};
-
diff --git a/virtual-banker/widget/src/components/Settings.css b/virtual-banker/widget/src/components/Settings.css
deleted file mode 100644
index e41c880..0000000
--- a/virtual-banker/widget/src/components/Settings.css
+++ /dev/null
@@ -1,70 +0,0 @@
-.settings-overlay {
-  position: fixed;
-  top: 0;
-  left: 0;
-  right: 0;
-  bottom: 0;
-  background-color: rgba(0, 0, 0, 0.5);
-  display: flex;
-  align-items: center;
-  justify-content: center;
-  z-index: 2000;
-}
-
-.settings-panel {
-  background-color: white;
-  border-radius: 8px;
-  padding: 24px;
-  max-width: 400px;
-  width: 90%;
-  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.2);
-}
-
-.settings-header {
-  display: flex;
-  justify-content: space-between;
-  align-items: center;
-  margin-bottom: 24px;
-}
-
-.settings-header h2 {
-  margin: 0;
-  font-size: 20px;
-  font-weight: 600;
-}
-
-.close-button {
-  background: none;
-  border: none;
-  font-size: 24px;
-  cursor: pointer;
-  padding: 4px;
-  line-height: 1;
-  color: #666;
-  transition: color 0.2s;
-}
-
-.close-button:hover {
-  color: #000;
-}
-
-.settings-content {
-  display: flex;
-  flex-direction: column;
-  gap: 16px;
-}
-
-.setting-item label {
-  display: flex;
-  align-items: center;
-  gap: 12px;
-  cursor: pointer;
-  font-size: 16px;
-}
-
-.setting-item input[type="checkbox"] {
-  width: 20px;
-  height: 20px;
-  cursor: pointer;
-}
-
diff --git a/virtual-banker/widget/src/components/Settings.tsx b/virtual-banker/widget/src/components/Settings.tsx
deleted file mode 100644
index 79d0519..0000000
--- a/virtual-banker/widget/src/components/Settings.tsx
+++ /dev/null
@@ -1,56 +0,0 @@
-import React, { useState } from 'react';
-import './Settings.css';
-
-interface SettingsProps {
-  showCaptions: boolean;
-  onToggleCaptions: () => void;
-  avatarEnabled: boolean;
-  onToggleAvatar: () => void;
-  onClose: () => void;
-}
-
-export const Settings: React.FC<SettingsProps> = ({
-  showCaptions,
-  onToggleCaptions,
-  avatarEnabled,
-  onToggleAvatar,
-  onClose,
-}) => {
-  return (
-    <div className="settings-overlay" role="dialog" aria-label="Settings">
-      <div className="settings-panel">
-        <div className="settings-header">
-          <h2>Settings</h2>
-          <button onClick={onClose} className="close-button" aria-label="Close settings">
-            ✕
-          </button>
-        </div>
-
-        <div className="settings-content">
-          <div className="setting-item">
-            <label>
-              <input
-                type="checkbox"
-                checked={showCaptions}
-                onChange={onToggleCaptions}
-              />
-              <span>Show captions</span>
-            </label>
-          </div>
-
-          <div className="setting-item">
-            <label>
-              <input
-                type="checkbox"
-                checked={avatarEnabled}
-                onChange={onToggleAvatar}
-              />
-              <span>Enable avatar</span>
-            </label>
-          </div>
-        </div>
-      </div>
-    </div>
-  );
-};
-
diff --git a/virtual-banker/widget/src/components/VoiceControls.css b/virtual-banker/widget/src/components/VoiceControls.css
deleted file mode 100644
index b17140a..0000000
--- a/virtual-banker/widget/src/components/VoiceControls.css
+++ /dev/null
@@ -1,116 +0,0 @@
-.voice-controls {
-  padding: 16px;
-  border-top: 1px solid #e0e0e0;
-  background-color: #f9f9f9;
-}
-
-.voice-mode-selector {
-  display: flex;
-  gap: 8px;
-  margin-bottom: 12px;
-}
-
-.mode-button {
-  flex: 1;
-  padding: 8px 16px;
-  border: 1px solid #ddd;
-  background-color: white;
-  border-radius: 4px;
-  cursor: pointer;
-  font-size: 14px;
-  transition: all 0.2s;
-}
-
-.mode-button:hover {
-  background-color: #f0f0f0;
-}
-
-.mode-button.active {
-  background-color: #0066cc;
-  color: white;
-  border-color: #0066cc;
-}
-
-.voice-controls-row {
-  display: flex;
-  align-items: center;
-  gap: 12px;
-}
-
-.control-button {
-  padding: 8px 12px;
-  border: 1px solid #ddd;
-  background-color: white;
-  border-radius: 4px;
-  cursor: pointer;
-  font-size: 18px;
-  transition: background-color 0.2s;
-}
-
-.control-button:hover {
-  background-color: #f0f0f0;
-}
-
-.control-button.muted {
-  background-color: #ffebee;
-  border-color: #f44336;
-}
-
-.volume-control {
-  display: flex;
-  align-items: center;
-  gap: 8px;
-  flex: 1;
-}
-
-.volume-slider {
-  flex: 1;
-  height: 4px;
-  border-radius: 2px;
-  background: #ddd;
-  outline: none;
-}
-
-.volume-slider::-webkit-slider-thumb {
-  appearance: none;
-  width: 16px;
-  height: 16px;
-  border-radius: 50%;
-  background: #0066cc;
-  cursor: pointer;
-}
-
-.volume-slider::-moz-range-thumb {
-  width: 16px;
-  height: 16px;
-  border-radius: 50%;
-  background: #0066cc;
-  cursor: pointer;
-  border: none;
-}
-
-.volume-value {
-  font-size: 12px;
-  color: #666;
-  min-width: 40px;
-  text-align: right;
-}
-
-.listening-indicator {
-  font-size: 14px;
-  color: #1976d2;
-  font-weight: 500;
-}
-
-.sr-only {
-  position: absolute;
-  width: 1px;
-  height: 1px;
-  padding: 0;
-  margin: -1px;
-  overflow: hidden;
-  clip: rect(0, 0, 0, 0);
-  white-space: nowrap;
-  border-width: 0;
-}
-
diff --git a/virtual-banker/widget/src/components/VoiceControls.tsx b/virtual-banker/widget/src/components/VoiceControls.tsx
deleted file mode 100644
index cbadbb7..0000000
--- a/virtual-banker/widget/src/components/VoiceControls.tsx
+++ /dev/null
@@ -1,88 +0,0 @@
-import React, { useState } from 'react';
-import './VoiceControls.css';
-
-interface VoiceControlsProps {
-  onPushToTalk: () => void;
-  onHandsFree: () => void;
-  isListening: boolean;
-  isMuted: boolean;
-  onToggleMute: () => void;
-  volume: number;
-  onVolumeChange: (volume: number) => void;
-}
-
-export const VoiceControls: React.FC<VoiceControlsProps> = ({
-  onPushToTalk,
-  onHandsFree,
-  isListening,
-  isMuted,
-  onToggleMute,
-  volume,
-  onVolumeChange,
-}) => {
-  const [mode, setMode] = useState<'push-to-talk' | 'hands-free'>('push-to-talk');
-
-  const handleModeChange = (newMode: 'push-to-talk' | 'hands-free') => {
-    setMode(newMode);
-    if (newMode === 'push-to-talk') {
-      onPushToTalk();
-    } else {
-      onHandsFree();
-    }
-  };
-
-  return (
-    <div className="voice-controls" role="group" aria-label="Voice controls">
-      <div className="voice-mode-selector">
-        <button
-          onClick={() => handleModeChange('push-to-talk')}
-          className={`mode-button ${mode === 'push-to-talk' ? 'active' : ''}`}
-          aria-pressed={mode === 'push-to-talk'}
-        >
-          Push to Talk
-        </button>
-        <button
-          onClick={() => handleModeChange('hands-free')}
-          className={`mode-button ${mode === 'hands-free' ? 'active' : ''}`}
-          aria-pressed={mode === 'hands-free'}
-        >
-          Hands Free
-        </button>
-      </div>
-
-      <div className="voice-controls-row">
-        <button
-          onClick={onToggleMute}
-          className={`control-button mute-button ${isMuted ? 'muted' : ''}`}
-          aria-label={isMuted ? 'Unmute' : 'Mute'}
-        >
-          {isMuted ? '🔇' : '🔊'}
-        </button>
-
-        <div className="volume-control">
-          <label htmlFor="volume-slider" className="sr-only">
-            Volume
-          </label>
-          <input
-            id="volume-slider"
-            type="range"
-            min="0"
-            max="100"
-            value={volume}
-            onChange={(e) => onVolumeChange(Number(e.target.value))}
-            className="volume-slider"
-            aria-label="Volume"
-          />
-          <span className="volume-value">{volume}%</span>
-        </div>
-
-        {isListening && (
-          <span className="listening-indicator" aria-live="polite">
-            🎤 Listening
-          </span>
-        )}
-      </div>
-    </div>
-  );
-};
-
diff --git a/virtual-banker/widget/src/hooks/useConversation.ts b/virtual-banker/widget/src/hooks/useConversation.ts
deleted file mode 100644
index 7442ae9..0000000
--- a/virtual-banker/widget/src/hooks/useConversation.ts
+++ /dev/null
@@ -1,47 +0,0 @@
-import { useState, useCallback } from 'react';
-import { Message } from '../types';
-
-export function useConversation() {
-  const [messages, setMessages] = useState<Message[]>([]);
-  const [isListening, setIsListening] = useState(false);
-  const [isSpeaking, setIsSpeaking] = useState(false);
-
-  const addMessage = useCallback((message: Omit<Message, 'id' | 'timestamp'>) => {
-    const newMessage: Message = {
-      ...message,
-      id: `msg-${Date.now()}-${Math.random()}`,
-      timestamp: new Date(),
-    };
-    setMessages((prev) => [...prev, newMessage]);
-  }, []);
-
-  const sendMessage = useCallback((content: string) => {
-    addMessage({
-      role: 'user',
-      content,
-    });
-  }, [addMessage]);
-
-  const receiveMessage = useCallback((content: string) => {
-    addMessage({
-      role: 'assistant',
-      content,
-    });
-  }, [addMessage]);
-
-  const clearMessages = useCallback(() => {
-    setMessages([]);
-  }, []);
-
-  return {
-    messages,
-    isListening,
-    isSpeaking,
-    setIsListening,
-    setIsSpeaking,
-    sendMessage,
-    receiveMessage,
-    clearMessages,
-  };
-}
-
diff --git a/virtual-banker/widget/src/hooks/useSession.ts b/virtual-banker/widget/src/hooks/useSession.ts
deleted file mode 100644
index 2d8fd32..0000000
--- a/virtual-banker/widget/src/hooks/useSession.ts
+++ /dev/null
@@ -1,89 +0,0 @@
-import { useState, useEffect } from 'react';
-import { APIClient } from '../services/api';
-import { Session, WidgetConfig } from '../types';
-
-export function useSession(config: WidgetConfig) {
-  const [session, setSession] = useState<Session | null>(null);
-  const [loading, setLoading] = useState(false);
-  const [error, setError] = useState<string | null>(null);
-
-  const apiClient = new APIClient(config);
-
-  const createSession = async () => {
-    if (!config.tenantId || !config.userId) {
-      setError('tenantId and userId are required');
-      return;
-    }
-
-    setLoading(true);
-    setError(null);
-
-    try {
-      const authAssertion = config.authToken || 'anonymous';
-      const newSession = await apiClient.createSession(
-        config.tenantId,
-        config.userId,
-        authAssertion
-      );
-      setSession(newSession);
-    } catch (err) {
-      setError(err instanceof Error ? err.message : 'Failed to create session');
-    } finally {
-      setLoading(false);
-    }
-  };
-
-  const refreshToken = async () => {
-    if (!session) return;
-
-    try {
-      const result = await apiClient.refreshToken(session.sessionId);
-      setSession({
-        ...session,
-        ephemeralToken: result.ephemeralToken,
-        expiresAt: result.expiresAt,
-      });
-    } catch (err) {
-      setError(err instanceof Error ? err.message : 'Failed to refresh token');
-    }
-  };
-
-  const endSession = async () => {
-    if (!session) return;
-
-    try {
-      await apiClient.endSession(session.sessionId);
-      setSession(null);
-    } catch (err) {
-      setError(err instanceof Error ? err.message : 'Failed to end session');
-    }
-  };
-
-  // Auto-refresh token before expiration
-  useEffect(() => {
-    if (!session) return;
-
-    const expiresAt = new Date(session.expiresAt).getTime();
-    const now = Date.now();
-    const timeUntilExpiry = expiresAt - now;
-    const refreshTime = timeUntilExpiry - 5 * 60 * 1000; // Refresh 5 minutes before expiry
-
-    if (refreshTime > 0) {
-      const timer = setTimeout(() => {
-        refreshToken();
-      }, refreshTime);
-
-      return () => clearTimeout(timer);
-    }
-  }, [session]);
-
-  return {
-    session,
-    loading,
-    error,
-    createSession,
-    refreshToken,
-    endSession,
-  };
-}
-
diff --git a/virtual-banker/widget/src/hooks/useWebRTC.ts b/virtual-banker/widget/src/hooks/useWebRTC.ts
deleted file mode 100644
index f6a3760..0000000
--- a/virtual-banker/widget/src/hooks/useWebRTC.ts
+++ /dev/null
@@ -1,74 +0,0 @@
-import { useState, useRef, useEffect } from 'react';
-
-export function useWebRTC() {
-  const [isConnected, setIsConnected] = useState(false);
-  const [localStream, setLocalStream] = useState<MediaStream | null>(null);
-  const [remoteStream, setRemoteStream] = useState<MediaStream | null>(null);
-  const peerConnectionRef = useRef<RTCPeerConnection | null>(null);
-
-  const initializeWebRTC = async () => {
-    try {
-      // Get user media
-      const stream = await navigator.mediaDevices.getUserMedia({
-        audio: true,
-        video: false, // Audio only for now
-      });
-      setLocalStream(stream);
-
-      // Create peer connection (simplified - should use proper signaling)
-      const pc = new RTCPeerConnection({
-        iceServers: [
-          { urls: 'stun:stun.l.google.com:19302' },
-        ],
-      });
-
-      // Add local stream tracks
-      stream.getTracks().forEach((track) => {
-        pc.addTrack(track, stream);
-      });
-
-      // Handle remote stream
-      pc.ontrack = (event) => {
-        setRemoteStream(event.streams[0]);
-      };
-
-      pc.onconnectionstatechange = () => {
-        setIsConnected(pc.connectionState === 'connected');
-      };
-
-      peerConnectionRef.current = pc;
-    } catch (err) {
-      console.error('Failed to initialize WebRTC:', err);
-    }
-  };
-
-  const closeWebRTC = () => {
-    if (localStream) {
-      localStream.getTracks().forEach((track) => track.stop());
-      setLocalStream(null);
-    }
-
-    if (peerConnectionRef.current) {
-      peerConnectionRef.current.close();
-      peerConnectionRef.current = null;
-    }
-
-    setRemoteStream(null);
-    setIsConnected(false);
-  };
-
-  useEffect(() => {
-    return () => {
-      closeWebRTC();
-    };
-  }, []);
-
-  return {
-    isConnected,
-    localStream,
-    remoteStream,
-    initializeWebRTC,
-    closeWebRTC,
-  };
-}
-
diff --git a/virtual-banker/widget/src/index.css b/virtual-banker/widget/src/index.css
deleted file mode 100644
index a38a246..0000000
--- a/virtual-banker/widget/src/index.css
+++ /dev/null
@@ -1,33 +0,0 @@
-* {
-  box-sizing: border-box;
-  margin: 0;
-  padding: 0;
-}
-
-body {
-  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', 'Roboto', 'Oxygen',
-    'Ubuntu', 'Cantarell', 'Fira Sans', 'Droid Sans', 'Helvetica Neue', sans-serif;
-  -webkit-font-smoothing: antialiased;
-  -moz-osx-font-smoothing: grayscale;
-}
-
-#virtual-banker-widget {
-  position: fixed;
-  bottom: 20px;
-  right: 20px;
-  z-index: 9999;
-}
-
-/* Accessibility: Focus styles */
-*:focus {
-  outline: 2px solid #0066cc;
-  outline-offset: 2px;
-}
-
-/* Keyboard navigation support */
-button:focus-visible,
-input:focus-visible {
-  outline: 2px solid #0066cc;
-  outline-offset: 2px;
-}
-
diff --git a/virtual-banker/widget/src/index.tsx b/virtual-banker/widget/src/index.tsx
deleted file mode 100644
index c1d2475..0000000
--- a/virtual-banker/widget/src/index.tsx
+++ /dev/null
@@ -1,36 +0,0 @@
-import React from 'react';
-import ReactDOM from 'react-dom/client';
-import { App } from './App';
-import './index.css';
-
-// Initialize widget when DOM is ready
-function initWidget() {
-  const containerId = 'virtual-banker-widget';
-  let container = document.getElementById(containerId);
-
-  if (!container) {
-    container = document.createElement('div');
-    container.id = containerId;
-    document.body.appendChild(container);
-  }
-
-  const root = ReactDOM.createRoot(container);
-  root.render(
-    <React.StrictMode>
-      <App />
-    </React.StrictMode>
-  );
-}
-
-// Auto-initialize if script is loaded
-if (document.readyState === 'loading') {
-  document.addEventListener('DOMContentLoaded', initWidget);
-} else {
-  initWidget();
-}
-
-// Export for manual initialization
-(window as any).VirtualBankerWidget = {
-  init: initWidget,
-};
-
diff --git a/virtual-banker/widget/src/services/api.ts b/virtual-banker/widget/src/services/api.ts
deleted file mode 100644
index 842fc2d..0000000
--- a/virtual-banker/widget/src/services/api.ts
+++ /dev/null
@@ -1,68 +0,0 @@
-import { Session, WidgetConfig } from '../types';
-
-const DEFAULT_API_URL = 'http://localhost:8081';
-
-export class APIClient {
-  private apiUrl: string;
-  private authToken?: string;
-
-  constructor(config: WidgetConfig) {
-    this.apiUrl = config.apiUrl || DEFAULT_API_URL;
-    this.authToken = config.authToken;
-  }
-
-  async createSession(tenantId: string, userId: string, authAssertion: string): Promise<Session> {
-    const response = await fetch(`${this.apiUrl}/v1/sessions`, {
-      method: 'POST',
-      headers: {
-        'Content-Type': 'application/json',
-        ...(this.authToken && { Authorization: `Bearer ${this.authToken}` }),
-      },
-      body: JSON.stringify({
-        tenant_id: tenantId,
-        user_id: userId,
-        auth_assertion: authAssertion,
-      }),
-    });
-
-    if (!response.ok) {
-      const error = await response.json();
-      throw new Error(error.message || 'Failed to create session');
-    }
-
-    return response.json();
-  }
-
-  async refreshToken(sessionId: string): Promise<{ ephemeralToken: string; expiresAt: string }> {
-    const response = await fetch(`${this.apiUrl}/v1/sessions/${sessionId}/refresh-token`, {
-      method: 'POST',
-      headers: {
-        'Content-Type': 'application/json',
-        ...(this.authToken && { Authorization: `Bearer ${this.authToken}` }),
-      },
-    });
-
-    if (!response.ok) {
-      const error = await response.json();
-      throw new Error(error.message || 'Failed to refresh token');
-    }
-
-    return response.json();
-  }
-
-  async endSession(sessionId: string): Promise<void> {
-    const response = await fetch(`${this.apiUrl}/v1/sessions/${sessionId}/end`, {
-      method: 'POST',
-      headers: {
-        'Content-Type': 'application/json',
-        ...(this.authToken && { Authorization: `Bearer ${this.authToken}` }),
-      },
-    });
-
-    if (!response.ok) {
-      const error = await response.json();
-      throw new Error(error.message || 'Failed to end session');
-    }
-  }
-}
-
diff --git a/virtual-banker/widget/src/services/postMessage.ts b/virtual-banker/widget/src/services/postMessage.ts
deleted file mode 100644
index d8ea0e7..0000000
--- a/virtual-banker/widget/src/services/postMessage.ts
+++ /dev/null
@@ -1,64 +0,0 @@
-export interface PostMessageEvent {
-  type: string;
-  payload?: any;
-}
-
-export class PostMessageAPI {
-  private targetOrigin: string;
-
-  constructor(targetOrigin: string = '*') {
-    this.targetOrigin = targetOrigin;
-  }
-
-  // Send events to parent window
-  send(type: string, payload?: any): void {
-    if (typeof window !== 'undefined' && window.parent) {
-      window.parent.postMessage(
-        {
-          type,
-          payload,
-          source: 'virtual-banker-widget',
-        },
-        this.targetOrigin
-      );
-    }
-  }
-
-  // Listen for messages from parent window
-  on(type: string, callback: (payload?: any) => void): () => void {
-    const handler = (event: MessageEvent) => {
-      if (event.data && event.data.type === type && event.data.source === 'virtual-banker-host') {
-        callback(event.data.payload);
-      }
-    };
-
-    window.addEventListener('message', handler);
-
-    // Return unsubscribe function
-    return () => {
-      window.removeEventListener('message', handler);
-    };
-  }
-
-  // Widget events
-  ready(): void {
-    this.send('ready');
-  }
-
-  sessionStarted(sessionId: string): void {
-    this.send('session_started', { sessionId });
-  }
-
-  actionRequested(action: string, params: any): void {
-    this.send('action_requested', { action, params });
-  }
-
-  actionCompleted(action: string, result: any): void {
-    this.send('action_completed', { action, result });
-  }
-
-  handoffToHuman(reason: string): void {
-    this.send('handoff_to_human', { reason });
-  }
-}
-
diff --git a/virtual-banker/widget/src/types/index.ts b/virtual-banker/widget/src/types/index.ts
deleted file mode 100644
index 1de71ed..0000000
--- a/virtual-banker/widget/src/types/index.ts
+++ /dev/null
@@ -1,55 +0,0 @@
-export interface WidgetConfig {
-  tenantId: string;
-  userId?: string;
-  authToken?: string;
-  apiUrl?: string;
-  theme?: ThemeConfig;
-  avatarEnabled?: boolean;
-  greeting?: string;
-}
-
-export interface ThemeConfig {
-  primaryColor?: string;
-  secondaryColor?: string;
-  backgroundColor?: string;
-  textColor?: string;
-  logo?: string;
-}
-
-export interface Session {
-  sessionId: string;
-  ephemeralToken: string;
-  config: TenantConfig;
-  expiresAt: string;
-}
-
-export interface TenantConfig {
-  theme: ThemeConfig;
-  avatarEnabled: boolean;
-  greeting: string;
-  allowedTools: string[];
-  policy: PolicyConfig;
-}
-
-export interface PolicyConfig {
-  maxSessionDuration: number;
-  rateLimitPerMinute: number;
-  requireConsent: boolean;
-}
-
-export interface Message {
-  id: string;
-  role: 'user' | 'assistant';
-  content: string;
-  timestamp: Date;
-  audioUrl?: string;
-}
-
-export interface ConversationState {
-  sessionId: string;
-  messages: Message[];
-  isListening: boolean;
-  isSpeaking: boolean;
-  isConnected: boolean;
-}
-
diff --git a/virtual-banker/widget/tsconfig.json b/virtual-banker/widget/tsconfig.json
deleted file mode 100644
index b57c8d5..0000000
--- a/virtual-banker/widget/tsconfig.json
+++ /dev/null
@@ -1,25 +0,0 @@
-{
-  "compilerOptions": {
-    "target": "ES2020",
-    "module": "ESNext",
-    "lib": ["ES2020", "DOM", "DOM.Iterable"],
-    "jsx": "react-jsx",
-    "strict": true,
-    "esModuleInterop": true,
-    "skipLibCheck": true,
-    "forceConsistentCasingInFileNames": true,
-    "moduleResolution": "node",
-    "resolveJsonModule": true,
-    "isolatedModules": true,
-    "noEmit": true,
-    "declaration": true,
-    "outDir": "./dist",
-    "baseUrl": ".",
-    "paths": {
-      "@/*": ["src/*"]
-    }
-  },
-  "include": ["src/**/*"],
-  "exclude": ["node_modules", "dist"]
-}
-
diff --git a/virtual-banker/widget/webpack.config.js b/virtual-banker/widget/webpack.config.js
deleted file mode 100644
index c259f2c..0000000
--- a/virtual-banker/widget/webpack.config.js
+++ /dev/null
@@ -1,45 +0,0 @@
-const path = require('path');
-const HtmlWebpackPlugin = require('html-webpack-plugin');
-
-module.exports = {
-  entry: './src/index.tsx',
-  output: {
-    path: path.resolve(__dirname, 'dist'),
-    filename: 'widget.js',
-    library: 'VirtualBankerWidget',
-    libraryTarget: 'umd',
-    globalObject: 'this',
-    clean: true,
-  },
-  resolve: {
-    extensions: ['.ts', '.tsx', '.js', '.jsx'],
-    alias: {
-      '@': path.resolve(__dirname, 'src'),
-    },
-  },
-  module: {
-    rules: [
-      {
-        test: /\.tsx?$/,
-        use: 'ts-loader',
-        exclude: /node_modules/,
-      },
-      {
-        test: /\.css$/,
-        use: ['style-loader', 'css-loader'],
-      },
-    ],
-  },
-  plugins: [
-    new HtmlWebpackPlugin({
-      template: './public/index.html',
-      filename: 'index.html',
-    }),
-  ],
-  externals: {
-    react: 'React',
-    'react-dom': 'ReactDOM',
-  },
-  devtool: 'source-map',
-};
-