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>

scripts/data/load_toronto_data.py

@@ -297,7 +297,7 @@ class DataPipeline:
             # Run dbt models
             logger.info("  Running dbt run...")
             result = subprocess.run(
-                ["dbt", "run"],
+                ["dbt", "run", "--profiles-dir", str(dbt_project_dir)],
                 cwd=dbt_project_dir,
                 capture_output=True,
                 text=True,
@@ -314,7 +314,7 @@ class DataPipeline:
             # Run dbt tests
             logger.info("  Running dbt test...")
             result = subprocess.run(
-                ["dbt", "test"],
+                ["dbt", "test", "--profiles-dir", str(dbt_project_dir)],
                 cwd=dbt_project_dir,
                 capture_output=True,
                 text=True,