chore: harden technical page nulls, clarify settings copy, refresh claude.md

- technical page treats all indicator fields as nullable so partial yfinance/yahooquery payloads no longer crash the indicator card
- settings About copy now correctly states API keys reach the local backend only when an AI feature needs them
- claude.md catalogues the transcripts page, components, lib hooks, and the bumped router count

atlas-terminal/apps/web/src/app/settings/page.tsx

@@ -87,7 +87,7 @@ export default function SettingsPage() {
       <Card title="About">
         <div className="text-text-muted text-sm space-y-1">
           <p>ATLAS Terminal v2.0 — Advanced Trading & Liquidity Analysis System</p>
-          <p>API keys are stored locally in your browser. They are never sent to our servers.</p>
+          <p>API keys are stored locally in your browser and only sent to your local ATLAS backend when an AI feature needs them.</p>
         </div>
       </Card>
     </div>

atlas-terminal/apps/web/src/app/technical/page.tsx

@@ -9,13 +9,13 @@ import { useTicker } from "../lib/use-ticker";
 
 interface Indicators {
   ticker: string;
-  current_price: number;
-  rsi_14: number;
-  sma: { sma_20: number; sma_50: number; sma_200: number | null };
-  ema: { ema_12: number; ema_26: number };
-  macd: { macd: number; signal: number; histogram: number };
-  bollinger_bands: { upper: number; middle: number; lower: number };
-  atr_14: number;
+  current_price: number | null;
+  rsi_14: number | null;
+  sma: { sma_20: number | null; sma_50: number | null; sma_200: number | null };
+  ema: { ema_12: number | null; ema_26: number | null };
+  macd: { macd: number | null; signal: number | null; histogram: number | null };
+  bollinger_bands: { upper: number | null; middle: number | null; lower: number | null };
+  atr_14: number | null;
 }
 
 interface ChartBar {
@@ -29,10 +29,37 @@ interface ChartBar {
 
 interface FibLevels {
   ticker: string;
-  high_52w: number;
-  low_52w: number;
-  current_price: number;
-  levels: Record<string, number>;
+  high_52w: number | null;
+  low_52w: number | null;
+  current_price: number | null;
+  levels: Record<string, number | null>;
+}
+
+function isFiniteNumber(value: unknown): value is number {
+  return typeof value === "number" && Number.isFinite(value);
+}
+
+function formatMoney(value: number | null | undefined, digits = 2): string {
+  return isFiniteNumber(value) ? `$${value.toFixed(digits)}` : "—";
+}
+
+function formatNumber(value: number | null | undefined, digits = 2): string {
+  return isFiniteNumber(value) ? value.toFixed(digits) : "—";
+}
+
+function formatPercent(value: number | null | undefined, digits = 1): string {
+  return isFiniteNumber(value) ? `${value.toFixed(digits)}%` : "—";
+}
+
+function safeRatioPercent(numerator: number | null | undefined, denominator: number | null | undefined): number | null {
+  if (!isFiniteNumber(numerator) || !isFiniteNumber(denominator) || denominator === 0) return null;
+  const result = (numerator / denominator) * 100;
+  return Number.isFinite(result) ? result : null;
+}
+
+function compareAbove(lhs: number | null | undefined, rhs: number | null | undefined): boolean | null {
+  if (!isFiniteNumber(lhs) || !isFiniteNumber(rhs)) return null;
+  return lhs > rhs;
 }
 
 export default function TechnicalPage() {
@@ -153,7 +180,7 @@ export default function TechnicalPage() {
   if (loading) return <LoadingPulse label="Loading technical data…" />;
 
   const macdSignal = indicators?.macd
-    ? indicators.macd.histogram > 0 ? "Bullish" : "Bearish"
+    ? indicators.macd.histogram == null ? "—" : indicators.macd.histogram > 0 ? "Bullish" : "Bearish"
     : "—";
 
   return (
@@ -185,20 +212,20 @@ export default function TechnicalPage() {
       {/* Indicator Cards */}
       {indicators && (
         <div className="grid grid-cols-4 gap-3 mb-6">
-          <StatCard label="Current Price" value={`$${indicators.current_price?.toFixed(2)}`} />
+          <StatCard label="Current Price" value={formatMoney(indicators.current_price)} />
           <StatCard
             label="RSI (14)"
-            value={indicators.rsi_14}
-            tone={indicators.rsi_14 > 70 ? "negative" : indicators.rsi_14 < 30 ? "positive" : "default"}
-            detail={indicators.rsi_14 > 70 ? "Overbought" : indicators.rsi_14 < 30 ? "Oversold" : "Neutral"}
+            value={formatNumber(indicators.rsi_14, 1)}
+            tone={indicators.rsi_14 != null && indicators.rsi_14 > 70 ? "negative" : indicators.rsi_14 != null && indicators.rsi_14 < 30 ? "positive" : "default"}
+            detail={indicators.rsi_14 != null ? (indicators.rsi_14 > 70 ? "Overbought" : indicators.rsi_14 < 30 ? "Oversold" : "Neutral") : "No data"}
           />
           <StatCard
             label="MACD Signal"
             value={macdSignal}
-            tone={indicators.macd.histogram > 0 ? "positive" : "negative"}
-            detail={`H: ${indicators.macd.histogram.toFixed(4)}`}
+            tone={indicators.macd.histogram == null ? "default" : indicators.macd.histogram > 0 ? "positive" : "negative"}
+            detail={`H: ${formatNumber(indicators.macd.histogram, 4)}`}
           />
-          <StatCard label="ATR (14)" value={indicators.atr_14} detail="Volatility" />
+          <StatCard label="ATR (14)" value={formatNumber(indicators.atr_14, 2)} detail="Volatility" />
         </div>
       )}
 
@@ -209,16 +236,16 @@ export default function TechnicalPage() {
             <h3 className="text-text-secondary text-sm font-semibold mb-3">Moving Averages</h3>
             <div className="space-y-2">
               {[
-                { label: "SMA 20", value: indicators.sma.sma_20, signal: indicators.current_price > indicators.sma.sma_20 },
-                { label: "SMA 50", value: indicators.sma.sma_50, signal: indicators.current_price > indicators.sma.sma_50 },
-                { label: "SMA 200", value: indicators.sma.sma_200, signal: indicators.sma.sma_200 ? indicators.current_price > indicators.sma.sma_200 : null },
-                { label: "EMA 12", value: indicators.ema.ema_12, signal: indicators.current_price > indicators.ema.ema_12 },
-                { label: "EMA 26", value: indicators.ema.ema_26, signal: indicators.current_price > indicators.ema.ema_26 },
+                { label: "SMA 20", value: indicators.sma.sma_20, signal: compareAbove(indicators.current_price, indicators.sma.sma_20) },
+                { label: "SMA 50", value: indicators.sma.sma_50, signal: compareAbove(indicators.current_price, indicators.sma.sma_50) },
+                { label: "SMA 200", value: indicators.sma.sma_200, signal: compareAbove(indicators.current_price, indicators.sma.sma_200) },
+                { label: "EMA 12", value: indicators.ema.ema_12, signal: compareAbove(indicators.current_price, indicators.ema.ema_12) },
+                { label: "EMA 26", value: indicators.ema.ema_26, signal: compareAbove(indicators.current_price, indicators.ema.ema_26) },
               ].map((ma) => (
                 <div key={ma.label} className="flex justify-between items-center text-sm">
                   <span className="text-text-muted">{ma.label}</span>
                   <div className="flex items-center gap-3">
-                    <span className="text-text-primary font-mono">{ma.value != null ? `$${ma.value.toFixed(2)}` : "—"}</span>
+                    <span className="text-text-primary font-mono">{formatMoney(ma.value)}</span>
                     <span className={`text-xs font-semibold px-2 py-0.5 rounded ${
                       ma.signal === true ? "bg-fin-positive/15 text-fin-positive" :
                       ma.signal === false ? "bg-fin-negative/15 text-fin-negative" : "bg-surface-sunken text-text-muted"
@@ -233,48 +260,62 @@ export default function TechnicalPage() {
 
           <ChartContainer title="Bollinger Bands" subtitle="20-period, 2 standard deviations.">
             <h3 className="text-text-secondary text-sm font-semibold mb-3">Bollinger Bands (20, 2)</h3>
+            {(() => {
+              const upper = indicators.bollinger_bands.upper;
+              const middle = indicators.bollinger_bands.middle;
+              const lower = indicators.bollinger_bands.lower;
+              const bbWidth = middle == null ? null : safeRatioPercent((upper ?? 0) - (lower ?? 0), middle);
+              const bandSpan = isFiniteNumber(upper) && isFiniteNumber(lower) ? upper - lower : null;
+              const percentB =
+                isFiniteNumber(indicators.current_price) && isFiniteNumber(lower) && isFiniteNumber(bandSpan) && bandSpan !== 0
+                  ? ((indicators.current_price - lower) / bandSpan) * 100
+                  : null;
+
+              return (
             <div className="space-y-3">
               <div className="flex justify-between text-sm">
                 <span className="text-text-muted">Upper Band</span>
-                <span className="font-mono text-fin-negative">${indicators.bollinger_bands.upper.toFixed(2)}</span>
+                <span className="font-mono text-fin-negative">{formatMoney(upper)}</span>
               </div>
               <div className="flex justify-between text-sm">
                 <span className="text-text-muted">Middle Band</span>
-                <span className="font-mono text-brand-gold">${indicators.bollinger_bands.middle.toFixed(2)}</span>
+                <span className="font-mono text-brand-gold">{formatMoney(middle)}</span>
               </div>
               <div className="flex justify-between text-sm">
                 <span className="text-text-muted">Lower Band</span>
-                <span className="font-mono text-fin-positive">${indicators.bollinger_bands.lower.toFixed(2)}</span>
+                <span className="font-mono text-fin-positive">{formatMoney(lower)}</span>
               </div>
               <div className="flex justify-between text-sm border-t border-border pt-3">
                 <span className="text-text-muted">BB Width</span>
                 <span className="text-text-primary font-mono">
-                  {((indicators.bollinger_bands.upper - indicators.bollinger_bands.lower) / indicators.bollinger_bands.middle * 100).toFixed(2)}%
+                  {formatPercent(bbWidth, 2)}
                 </span>
               </div>
               <div className="flex justify-between text-sm">
                 <span className="text-text-muted">%B Position</span>
                 <span className="text-text-primary font-mono">
-                  {((indicators.current_price - indicators.bollinger_bands.lower) / (indicators.bollinger_bands.upper - indicators.bollinger_bands.lower) * 100).toFixed(1)}%
+                  {formatPercent(percentB, 1)}
                 </span>
               </div>
             </div>
+              );
+            })()}
 
             {/* MACD Detail */}
             <h3 className="text-text-secondary text-sm font-semibold mb-3 mt-5">MACD (12, 26, 9)</h3>
             <div className="space-y-2">
               <div className="flex justify-between text-sm">
                 <span className="text-text-muted">MACD Line</span>
-                <span className="text-text-primary font-mono">{indicators.macd.macd.toFixed(4)}</span>
+                <span className="text-text-primary font-mono">{formatNumber(indicators.macd.macd, 4)}</span>
               </div>
               <div className="flex justify-between text-sm">
                 <span className="text-text-muted">Signal Line</span>
-                <span className="text-text-primary font-mono">{indicators.macd.signal.toFixed(4)}</span>
+                <span className="text-text-primary font-mono">{formatNumber(indicators.macd.signal, 4)}</span>
               </div>
               <div className="flex justify-between text-sm">
                 <span className="text-text-muted">Histogram</span>
-                <span className={`font-mono ${indicators.macd.histogram > 0 ? "text-fin-positive" : "text-fin-negative"}`}>
-                  {indicators.macd.histogram.toFixed(4)}
+                <span className={`font-mono ${indicators.macd.histogram != null && indicators.macd.histogram > 0 ? "text-fin-positive" : "text-fin-negative"}`}>
+                  {formatNumber(indicators.macd.histogram, 4)}
                 </span>
               </div>
             </div>
@@ -288,19 +329,23 @@ export default function TechnicalPage() {
           <h3 className="text-text-secondary text-sm font-semibold mb-3">Fibonacci Retracement</h3>
           <div className="grid grid-cols-7 gap-3">
             {Object.entries(fib.levels).map(([level, price]) => {
-              const isNear = Math.abs(price - fib.current_price) / fib.current_price < 0.02;
+              const isNear =
+                isFiniteNumber(price) &&
+                isFiniteNumber(fib.current_price) &&
+                fib.current_price !== 0 &&
+                Math.abs(price - fib.current_price) / fib.current_price < 0.02;
               return (
                 <div key={level} className={`rounded-lg p-3 text-center ${isNear ? "border border-brand-gold bg-brand-gold/10" : "bg-surface-sunken"}`}>
                   <div className="text-text-muted text-xs mb-1">{level}</div>
                   <div className={`font-mono text-sm font-semibold ${isNear ? "text-brand-navy" : "text-text-primary"}`}>
-                    ${price.toFixed(2)}
+                    {formatMoney(price)}
                   </div>
                 </div>
               );
             })}
           </div>
           <div className="mt-3 text-text-muted text-xs font-mono">
-            52W Range: ${fib.low_52w.toFixed(2)} — ${fib.high_52w.toFixed(2)} | Current: ${fib.current_price.toFixed(2)}
+            52W Range: {formatMoney(fib.low_52w)} — {formatMoney(fib.high_52w)} | Current: {formatMoney(fib.current_price)}
           </div>
         </ChartContainer>
       )}

atlas-terminal/claude.md

@@ -96,17 +96,23 @@ atlas-terminal/
 │   │   ├── macro/page.tsx           # 거시 5탭(FRED/Cycle/OECD/Korea/Calendar) + Quadrant/YieldFX/SmartMoney
 │   │   ├── earnings/page.tsx        # EPS Beat/Miss + Revenue + Next Earnings
 │   │   ├── news/page.tsx            # Split-view: 기사 리스트 + iframe 원문
+│   │   ├── transcripts/page.tsx     # 비디오/오디오 트랜스크립트 업로드 + 검색 + 분석
 │   │   ├── screener/page.tsx        # 종목 스크리너 + 전략 백테스트
 │   │   ├── portfolio/page.tsx       # 포지션 CRUD + Risk Metrics + OCR
 │   │   ├── filings/page.tsx         # 공시 원문 — SEC/DART/EDINET 자동분기 (5탭 + AI 요약)
 │   │   ├── settings/page.tsx        # API Key 관리
 │   │   ├── components/
 │   │   │   ├── app-shell.tsx        # 3-panel 레이아웃 래퍼 (SSR-safe dynamic import)
-│   │   │   ├── sidebar.tsx          # 좌측 네비게이션 (12개 메뉴)
+│   │   │   ├── sidebar.tsx          # 좌측 네비게이션 (13개 메뉴)
 │   │   │   ├── ticker-bar.tsx       # 상단 실시간 지수 바 (S&P, NASDAQ, KOSPI, BTC)
 │   │   │   ├── chat-panel.tsx       # 우측 AI Copilot 채팅
 │   │   │   ├── filings/
 │   │   │   │   └── FilingsViewer.tsx       # 공시 뷰어 (IntersectionObserver scroll-spy)
+│   │   │   ├── transcripts/
+│   │   │   │   ├── TranscriptUploadForm.tsx   # YouTube/URL/업로드 3-탭 입력
+│   │   │   │   ├── TranscriptJobList.tsx      # 상태 배지 + 진행률 리스트
+│   │   │   │   ├── TranscriptDetailPanel.tsx  # 요약/키워드/감성/원문 패널
+│   │   │   │   └── TranscriptSearchBar.tsx    # 저장된 트랜스크립트 전문 검색
 │   │   │   ├── macro/
 │   │   │   │   ├── GlobalMacroQuadrantChart.tsx  # 성장 vs 인플레 Z-score 산점도
 │   │   │   │   ├── YieldFxDualAxisChart.tsx       # US10Y 스프레드 vs FX 이중축
@@ -134,6 +140,8 @@ atlas-terminal/
 │   │   └── lib/
 │   │       ├── use-ticker.ts        # 티커 상태 훅 (localStorage + CustomEvent, hydration-safe)
 │   │       ├── api.ts               # API 클라이언트 유틸 (apiFetch, apiPost)
+│   │       ├── use-video-transcript.ts  # 트랜스크립트 submit/list/get/search/poll 훅
+│   │       ├── video-transcript-types.ts # 트랜스크립트 타입 정의
 │   │       ├── ticker-alias.ts      # 자연어→티커 매핑 ("gold"→GC=F, "samsung"→005930.KS)
 │   │       └── filing-jurisdiction.ts # 티커→관할권 추론 (SEC/DART/EDINET)
 │   ├── next.config.mjs              # /api/* → localhost:8000 프록시
@@ -141,12 +149,13 @@ atlas-terminal/
 │   └── package.json
 │
 ├── server/                          # FastAPI 백엔드
-│   ├── main.py                      # FastAPI app + 21개 라우터 등록
-│   ├── routers/                     # API 엔드포인트 (21개)
+│   ├── main.py                      # FastAPI app + 22개 라우터 등록
+│   ├── routers/                     # API 엔드포인트 (22개)
 │   │   ├── analysis.py              # POST /api/analysis — Gemini LLM 분석 (strategy/risks/mda/forensic)
 │   │   ├── chat.py                  # /api/chat — AI Copilot
 │   │   ├── crypto.py                # /api/crypto — 암호화폐 가격
 │   │   ├── dart.py                  # /api/dart — Korea DART 기업검색 + 사업보고서 섹션
+│   │   ├── daily_news.py            # /api/daily-news — FT 헤드라인 + 번역
 │   │   ├── earnings.py              # /api/earnings — history|calendar|quarterly|transcript
 │   │   ├── edgar.py                 # /api/edgar — SEC 10-K 다운로드 + 파싱
 │   │   ├── edinet.py                # /api/edinet — Japan EDINET 링크 + 섹션 (optional key)
@@ -163,7 +172,8 @@ atlas-terminal/
 │   │   ├── research.py              # /api/research — 퀀트 대시보드 (F-Score/DuPont/Sankey/Waterfall/Anomaly)
 │   │   ├── screener.py              # /api/screener — 종목 검색 + 백테스트
 │   │   ├── technical.py             # /api/technical — indicators/chart-data/fibonacci/ichimoku
-│   │   └── valuation.py             # /api/valuation — DCF/Sensitivity/Monte Carlo/Tornado/Reverse DCF
+│   │   ├── valuation.py             # /api/valuation — DCF/Sensitivity/Monte Carlo/Tornado/Reverse DCF
+│   │   └── video_transcript.py      # /api/video — submit/upload/jobs/search/delete
 │   ├── services/                    # 비즈니스 로직 (37개)
 │   │   ├── backtester.py            # 전략 백테스트 (SMA/RSI/Buy&Hold)
 │   │   ├── cache.py                 # 인메모리 TTL 캐시 데코레이터
@@ -200,6 +210,7 @@ atlas-terminal/
 │   │   ├── sensitivity.py           # build_sensitivity_matrix, build_tornado_data
 │   │   ├── smart_money_service.py   # Copper/Gold ratio + RORO 리스크 복합지수
 │   │   ├── text_chunker.py          # smart_chunk, clean_text_for_llm
+│   │   ├── video_transcript_service.py # yt-dlp + faster-whisper + Gemini 통합 파이프라인
 │   │   └── yield_fx_service.py      # US10Y 스프레드 vs FX (USDJPY/EURUSD/USDKRW)
 │   ├── db/                          # 데이터베이스 레이어
 │   │   ├── unified_repo.py          # SQLite/PostgreSQL 통합 인터페이스
@@ -209,6 +220,8 @@ atlas-terminal/
 │   │   ├── portfolio_repo.py        # 포트폴리오 SQLite CRUD
 │   │   ├── pg_portfolio_repo.py     # 포트폴리오 PostgreSQL CRUD
 │   │   ├── pg_cache_repo.py         # PostgreSQL 캐시
+│   │   ├── video_repo.py            # 트랜스크립트 SQLite CRUD + FTS5
+│   │   ├── pg_video_repo.py         # 트랜스크립트 PostgreSQL CRUD + tsvector
 │   │   ├── dashboard_repo.py        # 대시보드 레이아웃 저장
 │   │   └── settings_repo.py         # 설정 저장소
 │   ├── models/
@@ -416,7 +429,17 @@ fontFamily: {
 |--------|------|------|
 | GET | `/api/markets/heatmap/{index_name}` | 지수 구성종목 히트맵 (S&P/NASDAQ/KOSPI/FTSE) |
 
-### 5.16 기타
+### 5.16 Video Transcript (`/api/video`)
+| Method | Path | 설명 |
+|--------|------|------|
+| POST | `/api/video/submit` | YouTube/웹 URL/로컬 경로 제출 → 비동기 transcript job 생성 |
+| POST | `/api/video/upload` | multipart 업로드 → 임시 저장 후 transcript job 생성 |
+| GET | `/api/video/jobs` | 최근 트랜스크립트 작업 목록 |
+| GET | `/api/video/jobs/{job_id}` | 단일 작업 상세 (상태 + 분석 + 원문) |
+| GET | `/api/video/search?q=` | 저장된 트랜스크립트 전문 검색 |
+| DELETE | `/api/video/jobs/{job_id}` | 작업 삭제 |
+
+### 5.17 기타
 | Prefix | 설명 |
 |--------|------|
 | `/api/analysis` | Gemini AI 분석 (strategy/risks/mda/forensic/financials) |
@@ -428,7 +451,7 @@ fontFamily: {
 
 ---
 
-## 6. Frontend Pages (전체 12개)
+## 6. Frontend Pages (전체 13개)
 
 | 경로 | 파일 | 핵심 기능 |
 |------|------|----------|
@@ -440,6 +463,7 @@ fontFamily: {
 | `/macro` | `macro/page.tsx` | **5탭**(FRED/Cycle Heatmap/OECD CLI/Korea/Calendar) + **Quadrant**(성장vs인플레) + **YieldFX** + **SmartMoney**(Copper/Gold+RORO) |
 | `/earnings` | `earnings/page.tsx` | 다음 실적일, EPS Beat/Miss 바차트, 분기 매출/순이익 |
 | `/news` | `news/page.tsx` | Split-view — 좌측 기사 리스트(340px) + 우측 iframe 원문 보기 |
+| `/transcripts` | `transcripts/page.tsx` | 비디오/오디오 입력, 상태 폴링, 요약/키워드/감성, 전문검색 |
 | `/screener` | `screener/page.tsx` | **종목 스크리너**(PE/섹터/배당 필터) + **전략 백테스트**(SMA/RSI/Buy&Hold, 캔들차트 시각화) |
 | `/portfolio` | `portfolio/page.tsx` | 포지션 CRUD + Risk Metrics(VaR/Sharpe/MDD) + OCR 스크린샷 |
 | `/filings` | `filings/page.tsx` | **관할권 자동분기** — 티커 접미사로 SEC/DART(`.KS`/`.KQ`)/EDINET(`.T`), 5탭 + AI Summary |
@@ -566,14 +590,16 @@ pydantic>=2.7.0         google-generativeai>=0.8.0
 anthropic>=0.39.0       openai>=1.50.0
 beautifulsoup4>=4.12.0  requests>=2.31.0
 pandas>=2.0.0           lxml>=4.9.0
-python-dotenv>=1.0.0    yfinance>=0.2.40
-yahooquery>=2.2.0       sec-edgar-downloader>=5.0.0
-feedparser>=6.0.0       ta>=0.11.0
-dart-fss>=0.4.0         numpy>=1.20.0
-scipy>=1.10.0           dbnomics>=1.2.0
-aiosqlite>=0.20.0       asyncpg>=0.30.0
-pillow>=10.0.0          httpx>=0.27.0
-pytest>=8.0.0
+python-dotenv>=1.0.0    python-multipart>=0.0.9
+yfinance>=0.2.40        yahooquery>=2.2.0
+sec-edgar-downloader>=5.0.0  feedparser>=6.0.0
+ta>=0.11.0              dart-fss>=0.4.0
+numpy>=1.20.0           scipy>=1.10.0
+dbnomics>=1.2.0         aiosqlite>=0.20.0
+asyncpg>=0.30.0         pillow>=10.0.0
+httpx>=0.27.0           pytest>=8.0.0
+faster-whisper>=1.0.3   yt-dlp>=2024.10.7
+srt>=3.5.3              ffmpeg-python>=0.2.0
 ```
 
 ### Node.js (`apps/web/package.json`)
@@ -592,6 +618,7 @@ recharts: ^2.15.4
 GOOGLE_API_KEY=        # Gemini API
 SEC_EDGAR_EMAIL=       # SEC 정책 필수 (10-K 다운로드용)
 DATABASE_URL=          # PostgreSQL (없으면 SQLite 자동)
+WHISPER_MODEL_SIZE=    # faster-whisper model size (default: base, optional: small/medium)
 NEWS_API_KEY=          # 선택
 FMP_API_KEY=           # Financial Modeling Prep (선택 — 비율·트랜스크립트·캘린더)
 ECOS_API_KEY=          # 한국은행 ECOS (선택)