docs: add GitHub issue & PR templates

.github/ISSUE_TEMPLATE/bug_report.md

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+---
+name: Bug report
+about: An example doesn't run, or validation/round-trip is wrong
+title: "[bug] "
+labels: bug
+---
+
+**Which example / component**
+e.g. `Database_Integration/python/export_fundsxml.py`, `XSD_Validation/java`,
+`XSLT_Transformations/Factsheet`, the Schematron ruleset, …
+
+**FundsXML version & sample**
+e.g. 4.2.9, `FundsXML_Files/4.2.9/positions/Mixed-Fund_Positions.xml`
+(or attach/inline a minimal FundsXML snippet — no real/PII data).
+
+**What I ran**
+The exact command(s), including any `tools/fetch-schema.sh` /
+`tools/fetch-tools.sh` step.
+
+**Expected vs. actual**
+What you expected and what happened (paste the full error / output).
+
+**Environment**
+OS; and the relevant runtime version: Python / Java (`java -version`) /
+Node (`node -v`) / .NET (`dotnet --version`) / `xmllint --version`.
+
+**Validation already done** (helps a lot)
+- [ ] `xmllint --noout --schema .schema-cache/<ver>/FundsXML.xsd <file>` result: …
+- [ ] round-trip checked with `Database_Integration/tools/xml_equiv.py` (if applicable): …

.github/ISSUE_TEMPLATE/config.yml

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+blank_issues_enabled: false
+contact_links:
+  - name: Contributing guide
+    url: https://github.com/fundsxml/examples/blob/main/CONTRIBUTING.md
+    about: Conventions, local verification and the PR workflow — read first.
+  - name: FundsXML standard & schema
+    url: https://github.com/fundsxml/schema
+    about: Questions about the FundsXML standard or XSD itself (not this repo).

.github/ISSUE_TEMPLATE/feature_request.md

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+---
+name: New example / enhancement
+about: Propose a new sample, rule, language example or improvement
+title: "[feat] "
+labels: enhancement
+---
+
+**What & why**
+The use case and who it helps (e.g. "import example in Go", "PRIIPS-KID
+regulatory sample", "Schematron rule for X").
+
+**Where it fits**
+Which area: `FundsXML_Files/`, `XSD_Validation/`, `Schematron_…`,
+`XSLT_…`, `XQuery_Examples/`, `XML_Signature/`, `Database_Integration/`,
+`Large_File_Processing/`, `Data_Binding_JSON/`.
+
+**Scope notes (per [CONTRIBUTING.md](../../CONTRIBUTING.md))**
+- FundsXML version(s) involved; remember 4.0.0 has no `ControlData/Version`.
+- Standalone & runnable (no DB server / Docker); English; teaching-grade comments.
+- New samples must be XSD-valid against the official released schema; new
+  round-trip examples must be proven with `xml_equiv.py` **+** XSD.
+
+**Willing to contribute a PR?** yes / no

.github/PULL_REQUEST_TEMPLATE.md

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+<!-- Thanks for contributing! Please read CONTRIBUTING.md first. -->
+
+## What & why
+
+<!-- One or two sentences: what this changes and the use case it serves. -->
+
+## Area
+
+<!-- e.g. Database_Integration/python, XSLT_Transformations, a new sample, … -->
+
+## Checklist (see [CONTRIBUTING.md](../CONTRIBUTING.md))
+
+- [ ] Branched off the **latest `main`** (not stacked on another open PR).
+- [ ] One focused change; relevant **README(s) updated** in this PR.
+- [ ] English only; example is **self-contained** and **heavily commented**
+      (file-header: purpose / run / deps / FundsXML assumptions + what & why).
+- [ ] FundsXML conventions: no XML namespace; XSD-validated against the
+      **official released schema** via `tools/fetch-schema.sh`; 4.0.0 has no
+      `ControlData/Version`; secure XML parsing (DTD/external entities off).
+- [ ] New/changed samples are **XSD-valid**; negative fixtures still fail.
+- [ ] Round-trip examples: proven with `Database_Integration/tools/xml_equiv.py`
+      **and** `xmllint --schema` (complementary checks).
+- [ ] Schematron/XSLT tolerance or pattern changes mirrored on both sides +
+      both READMEs.
+- [ ] **CI is green** (`.github/workflows/ci.yml` — validates everything).
+
+## Verification
+
+<!-- The exact commands you ran and their result. No "should pass". -->