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High Impact / Low Effort security hardening: removes plaintext database password and API keys from appsettings.json and appsettings.Development.json. Credential strings replaced with empty values; schema/structure retained. Users must provide credentials via environment variables: - KARTSELL_POSTGRES: database connection string - KRX_OPENAPI: Korea Exchange API key (read from Gitea Secrets in CI) - OPENDART_API: OpenDart API key (read from Gitea Secrets in CI) - KIS_APP_KEY, KIS_APP_SECRET: Korea Investment & Securities (read from Gitea Secrets in CI) See CLAUDE.md Quick Start section for setup instructions. Verification: dotnet build src/KArtSell.Host/KArtSell.Host.csproj -c Release 0 warnings, 0 errors, builds successfully. TECH_DEBT_REGISTER.md: DEBT-013 status updated from Deferred to Completed. AGENTS.md compliance: #8 (Guardrails — credentials removed per security principle), #12 (Right Way — security-first approach), #13 (Tech Debt — debt paydown 20%+ quarterly). Co-Authored-By: Claude Haiku 4.5 <noreply@anthropic.com>