fix: Configure dbt to use local profiles.yml

- Rename profiles.yml.example to profiles.yml (uses env vars, safe to commit)
- Add --profiles-dir flag to dbt commands in load_toronto_data.py
- Add --profiles-dir flag to dbt targets in Makefile

This fixes the "Path '~/.dbt' does not exist" error when running make load-data.

Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>

Makefile

@@ -113,15 +113,15 @@ test-cov: ## Run pytest with coverage
 
 dbt-run: ## Run dbt models
 	@echo "$(GREEN)Running dbt models...$(NC)"
-	cd dbt && dbt run
+	cd dbt && dbt run --profiles-dir .
 
 dbt-test: ## Run dbt tests
 	@echo "$(GREEN)Running dbt tests...$(NC)"
-	cd dbt && dbt test
+	cd dbt && dbt test --profiles-dir .
 
 dbt-docs: ## Generate dbt documentation
 	@echo "$(GREEN)Generating dbt docs...$(NC)"
-	cd dbt && dbt docs generate && dbt docs serve
+	cd dbt && dbt docs generate --profiles-dir . && dbt docs serve --profiles-dir .
 
 # =============================================================================
 # Code Quality