AscendTrade - Stage 1 Patch

Included files:
- admin/settings.php
- account_settings.php
- deposit.php
- withdraw.php
- system_settings.php
- cron/process_investments.php
- migrations/012_payment_method_directions.sql

BEFORE DEPLOYMENT
1. Back up the live database and current site files.
2. Upload/replace the included PHP files in their matching locations.
3. Run migrations/012_payment_method_directions.sql once in the AscendTrade database. This adds deposit_enabled to withdrawal_methods; payment-method settings will rely on this column.
4. Confirm the Admin > Settings page loads and save deposit/withdrawal method selections.
5. Set minimum deposit/withdrawal values in Admin > Settings. Values default to 0 (no added minimum beyond existing positive-amount validation).
6. Test on a staging account: submit a deposit below/at the configured minimum, attempt a withdrawal below/at the configured minimum, and verify method lists match Admin Settings.
7. If payout processing is due, run/test cron/process_investments.php in a staging database first. Transaction descriptions change only; payout references, amounts, interval counters and credit logic are not intentionally changed.

NOTES
- This is a file patch, not a live-site deployment.
- Notification center, admin activity logs, dashboard announcements, referral summary cards, and full integration tests are not included in this stage yet.
- Do not run the SQL migration more than once unless you first adjust it for the current schema; MySQL will report a duplicate-column error on a second run.
