Fix Applied: Admin + User Dashboards

Files Created/Updated

✓ admin/index.php

✓ admin/includes/header.php

✓ admin/includes/sidebar.php

✓ admin/includes/footer.php

✓ admin/pages/dashboard.php

✓ admin/pages/settings.php

✓ admin/pages/users.php

✓ admin/pages/transactions.php

DELETE THIS FILE! Now test:
- Admin login: /admin/ (dashboard, users, transactions, settings)
- User login: /user/ (dashboard with stats + quick actions)