Improve user experience and fix database queries for financial data

Fixes a bug when a user isn't logged in, and optimizes financial data retrieval and AI interaction queries.

Replit-Commit-Author: Agent
Replit-Commit-Session-Id: 556aa286-edd2-4cea-8583-f4fc3cfd119b

client/src/pages/LandingPage.tsx

@@ -25,7 +25,7 @@ import {
 
 export default function LandingPage() {
   const [, setLocation] = useLocation();
-  const { user } = useAuth();
+  const { user } = useAuth() || {};
   const { isListening, startListening, stopListening, isSupported } = useVoice();
   const { theme } = useTheme();