* Format codebase to satisfy linters
* fixing pylance and ruff-checked files
* contributing md, and type and formatting fixes
* setup file capitalization
* test fix
- adding ecommerce initial guidance
- fixed new-goal guidance prompts for multi-goal mode
- (minor) fixed abug in money movement so it won't connect to temporal cloud if it's not doing a real workflow
- (minor) fixed abug in loan application so it won't connect to temporal cloud if it's not doing a real workflow
- some todo notes cleanup