feat: Implement smart yearly data downloading with completeness check
- Added is_yearly_data_complete() function to check if yearly CSV files are complete - Complete data criteria: file ends with 31.12.YYYY and starts with valid first working day - Prevent re-downloading of complete yearly data files - Improved efficiency by avoiding unnecessary downloads of multi-megabyte files - Added proper CSV parsing for completeness checking - Updated data_fetcher.py with intelligent download logic - Maintains backward compatibility with force download option
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