first version

internal/repository/migrations/0005_policy_cleanup.down.sql

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+ALTER TABLE risk_events
+  MODIFY severity ENUM('INFO','WARN','ALERT','CRITICAL','REPORT') NOT NULL;
+
+ALTER TABLE instruments
+  MODIFY free_order_limit_per_day INT NOT NULL DEFAULT 0;
+
+UPDATE schema_meta SET meta_value='0004' WHERE meta_key='schema_version';