add 2 new issue templates

.github/ISSUE_TEMPLATE/request-for-comment.md

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+---
+name: RFC (Request for comment)
+about: Propose a larger-scope change for discussion and approval
+title: "RFC: Short & descriptive title"
+labels: request for comment
+assignees: ""
+---
+
+## Summary
+
+<!-- One or two sentences describing the proposal. -->
+
+## Motivation
+
+<!-- Why should this be done? What problem does it solve? -->
+
+## Proposed solution
+
+<!-- High-level approach; include screenshots or links if available. -->
+
+## Impact
+
+- [ ] Would include breaking changes
+- Affected areas:

.github/ISSUE_TEMPLATE/tech-debt.md

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+---
+name: Tech debt
+about: Track refactors or maintenance tasks. Typically for devs only.
+title: Short & descriptive title
+labels: tech debt
+assignees: ""
+---
+
+## What is the debt?
+
+<!-- Briefly describe the problem and where it lives. -->
+
+## Why fix it?
+
+<!-- Impact if left as-is; benefits of fixing. -->
+
+## Proposed change
+
+<!-- One or two sentences or a link to a plan/PR. -->
+
+## Checklist
+
+- [ ] No unexpected user-visible changes (or note them)
+- [ ] Tests/docs updated if needed