AscendTrade Stage 2 Patch

Contents: member notifications page and unread badge, admin announcements CRUD, announcement display on dashboard, admin activity log viewer, referral commission summary (read-only ledger total), and migration 013.

INSTALL ORDER
1. Make a full database and website backup.
2. Upload and run migrations/013_notifications_announcements_activity.sql in the AscendTrade database.
3. Upload the included PHP files to the matching paths, overwriting only those files after backup.
4. Test admin announcement create/edit/delete and member dashboard/notifications.

IMPORTANT LIMITATIONS
- This patch adds the notification storage/page and announcements. Automatic transaction-status notification generation is not wired into every deposit/withdrawal approval path yet; those integrations remain a follow-up.
- Admin activity logging in this stage records announcement changes only. Other admin actions are not yet audited.
- Referral commission totals are read-only and depend on matching columns in the existing referral_commissions table. If the table schema differs, the card safely displays zero; inspect schema before production use.
- Run on staging first. This package has not been deployed to the live website and cannot be considered fully integration-tested without the live database schema/runtime.
