.github/pull_request_template.md

# Summary
Describe what changed and why.

# Risk Level
Low / Medium / High (pick one)

# Tests
List commands run and results.

# Contribution Checklist
- [ ] Tests added/updated for behavior changes
- [ ] Lint/typecheck/build passing
- [ ] Security review done if auth/data/crypto touched
- [ ] DB migration tested if schema changed

# Notes
Anything reviewers should know.