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Implement mongodb_value_codec to encode portfolio/gold/stock values as native BSON documents instead of JSON-serialized byte strings. Reduces storage size, improves query efficiency, and eliminates unmarshal overhead. Native BSON encoding preserves int64 fidelity and enables future native-format queries. Add NativeValueRepresentation and Int64Fidelity tests validating lossless encoding. Update migration tool comments. Document native-value behavior in deploy guide. Update phase-01 plan with implementation notes.