chore: add GitHub issue templates

.github/ISSUE_TEMPLATE/bug_report.md

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+---
+name: Bug report
+about: Report a bug in a MergeFi contract or tooling
+title: "[Bug] "
+labels: bug
+assignees: ''
+---
+
+## Description
+
+<!-- A clear, concise description of the bug. -->
+
+## Contract / component
+
+<!-- Which contract or file is affected? e.g. escrow, milestones, maintenance-pool, scripts/ -->
+
+## Steps to reproduce
+
+1. 
+2. 
+3. 
+
+## Expected behaviour
+
+<!-- What should happen. -->
+
+## Actual behaviour
+
+<!-- What happens instead. Include error messages, panic output, or tx hashes where available. -->
+
+## Environment
+
+- Network: <!-- testnet / mainnet / local -->
+- Soroban SDK version:
+- Rust toolchain (`rustc --version`):
+
+## Additional context
+
+<!-- Attach logs, screenshots, or links to failing CI runs if relevant. -->

.github/ISSUE_TEMPLATE/feature_request.md

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+---
+name: Feature request
+about: Suggest a new function, behaviour, or improvement
+title: "[Feature] "
+labels: enhancement
+assignees: ''
+---
+
+## Problem / motivation
+
+<!-- What problem does this solve, or what opportunity does it address? -->
+
+## Proposed solution
+
+<!-- Describe what you'd like to see added or changed. Include pseudocode or a function signature if helpful. -->
+
+## Contract / component
+
+<!-- Which contract(s) would be affected? e.g. escrow, milestones, maintenance-pool -->
+
+## Alternatives considered
+
+<!-- Any other approaches you evaluated and why you prefer this one. -->
+
+## Additional context
+
+<!-- Links to related issues, specs, or prior art. -->

.github/ISSUE_TEMPLATE/missing_test.md

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+---
+name: Missing test
+about: Flag a function or behaviour that lacks test coverage
+title: "[Test] "
+labels: testing
+assignees: ''
+---
+
+## What is not tested
+
+<!-- Describe the function, error path, or invariant that has no test. Include the file and line number if known. -->
+
+## Why it matters
+
+<!-- What failure mode could go undetected without this test? -->
+
+## Suggested test approach
+
+<!-- Optional: a sketch of the test, e.g. which env helpers to use (mock_all_auths, set_auths, try_*, etc.) -->
+
+## Contract / file
+
+<!-- e.g. contracts/escrow/src/test.rs -->