Resolves four open issues covering governance, credit scoring, insurance fund, and flash loan integration.

[JONAH-6]

#332 — Governance system

• storage.rs — rewrote the file; it was missing GovernanceDataKey, DataKey, and GuardianConfig, which caused compilation
  failures across governance, recovery, timelock, and credit score modules
• governance.rs — fixed a critical flash-loan attack: vote() computed snapshot-based voting power via
  get_vote_power_with_delegation() then immediately shadowed it with a live token_client.balance() call, completely defeating
  the anti-flash-loan protection; the two overwriting lines were removed
• governance_test.rs — replaced 70 stub tests (assert_eq!(1u32, 1)) with real behavioural tests across 7 phases: proposal
  lifecycle, voting mechanics, timelock & execution, multisig operations, error handling, event validation, and integration
  scenarios
• lib.rs — removed the #[path = "tests/governance_test.rs"] override on mod governance_test so src/governance_test.rs is
  actually compiled

#329 — Credit scoring system

• storage.rs — added the DataKey::CreditScore(Address) variant that credit_score.rs depends on for persistent storage; the
  module was uncompilable without it

#330 — Insurance fund pool

• insurance.rs — added the missing Vec import; Vec::new(env) and Vec were used in get_all_claim_ids but Vec was not in
  scope

#331 — Flash loan integration with AMM arbitrage

• contracts/hello-world/src/flash_loan.rs — uncollateralized flash loan with callback pattern, 0.09 % base fee, TWAP deviation
  detection, pool-relative liquidity cap (default 50 %), constant-product price-impact check, per-asset concurrent-loan guard,
  and reentrancy protection via RAII guard
• contracts/lending/src/flash_loan.rs — lending-side flash loan with attack-prevention checks (TWAP, liquidity cap, price
  impact, sandwich guard) and AMM callback integration via the on_flash_loan receiver interface
• contracts/amm/src/amm.rs — AMM swap and liquidity functions used as the arbitrage target inside flash loan callbacks

---

Closes #332
Closes #329
Closes #330
Closes #331

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Issue	Title
#329	Implement credit scoring system for uncollateralized borrowing	Link to this issue
#331	Add flash loan integration with AMM arbitrage support	Link to this issue
#330	Build insurance fund pool with risk-adjusted premiums	Link to this issue
#332	Build comprehensive governance system with proposal lifecycle	Link to this issue

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