Housing: Complete initiative persistence — task progress, milestones, rewards

- Add neighborhood_initiative_task_progress table persisting per-task progress
  and status (NOT_STARTED/IN_PROGRESS/COMPLETE) across server restarts
- Add neighborhood_initiative_milestones table persisting milestone reached
  state with timestamps
- Add neighborhood_initiative_reward_claims table tracking per-player reward
  claims to prevent double-claiming
- Implement PersistSingleTaskProgress, PersistMilestoneReached, PersistRewardClaim
  with corresponding CHAR_REP/INS prepared statements
- LoadFromDB now restores task progress, milestone state, and reward claims
  from DB instead of defaulting to zero/recalculating
- Implement ClaimMilestoneReward with full DB2 reward chain: walks
  InitiativeRewardXMilestone → InitiativeReward to grant currency, items,
  or favor based on RewardType
- HasUnclaimedRewards now checks per-player claim state, not just milestone reached
- HandleGetInitiativeClaimRewardRequest and HandleGetInitiativeOpenChestRequest
  now use ClaimMilestoneReward for actual reward distribution
- PersistTaskProgress stub replaced with full implementation

sql/updates/characters/master/2026_03_10_00_characters.sql

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+DROP TABLE IF EXISTS `neighborhood_initiative_task_progress`;
+CREATE TABLE `neighborhood_initiative_task_progress` (
+    `initiativeDbId` BIGINT UNSIGNED NOT NULL COMMENT 'FK to neighborhood_initiatives.id',
+    `taskId` INT UNSIGNED NOT NULL COMMENT 'InitiativeTask DB2 entry ID',
+    `progress` INT UNSIGNED NOT NULL DEFAULT 0 COMMENT 'Current progress count towards TargetCount',
+    `status` TINYINT UNSIGNED NOT NULL DEFAULT 0 COMMENT '0=NOT_STARTED, 1=IN_PROGRESS, 2=COMPLETE',
+    PRIMARY KEY (`initiativeDbId`, `taskId`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+-- ---------------------------------------------------------------------------
+-- 13. neighborhood_initiative_milestones - Milestone reached/claimed tracking
+--
+-- Tracks which milestones have been reached for each initiative instance,
+-- and whether individual players have claimed their rewards.
+-- ---------------------------------------------------------------------------
+DROP TABLE IF EXISTS `neighborhood_initiative_milestones`;
+CREATE TABLE `neighborhood_initiative_milestones` (
+    `initiativeDbId` BIGINT UNSIGNED NOT NULL COMMENT 'FK to neighborhood_initiatives.id',
+    `milestoneIndex` INT UNSIGNED NOT NULL COMMENT 'Milestone index (0, 1, 2)',
+    `reached` TINYINT UNSIGNED NOT NULL DEFAULT 0 COMMENT '1 = milestone has been reached',
+    `reachedTime` INT UNSIGNED NOT NULL DEFAULT 0 COMMENT 'Unix timestamp when milestone was reached',
+    PRIMARY KEY (`initiativeDbId`, `milestoneIndex`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
+-- ---------------------------------------------------------------------------
+-- 14. neighborhood_initiative_reward_claims - Per-player reward claim tracking
+--
+-- Tracks which players have claimed rewards for which milestones.
+-- Prevents double-claiming.
+-- ---------------------------------------------------------------------------
+DROP TABLE IF EXISTS `neighborhood_initiative_reward_claims`;
+CREATE TABLE `neighborhood_initiative_reward_claims` (
+    `initiativeDbId` BIGINT UNSIGNED NOT NULL COMMENT 'FK to neighborhood_initiatives.id',
+    `milestoneIndex` INT UNSIGNED NOT NULL COMMENT 'Milestone index (0, 1, 2)',
+    `playerGuid` BIGINT UNSIGNED NOT NULL COMMENT 'Player character GUID',
+    `claimTime` INT UNSIGNED NOT NULL DEFAULT 0 COMMENT 'Unix timestamp when reward was claimed',
+    PRIMARY KEY (`initiativeDbId`, `milestoneIndex`, `playerGuid`),
+    INDEX `idx_player` (`playerGuid`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;