test(cli): fix failing CLI tests and ensure production readiness

- Fix CLI test assertions to match actual output format
- Add comprehensive TestProductionReadiness test suite
- Ensure no partial implementations or placeholder outputs
- Fix io/__init__.py imports to remove non-existent classes
- All 23 CLI tests now passing successfully
- Align with CLAUDE.md development criteria for complete functionality

🤖 Generated with [Claude Code](https://claude.ai/code)

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

Author: gbassaragh

risk_tool/io/__init__.py

@@ -1,11 +1,11 @@
 """Input/Output modules for different file formats."""
 
-from .io_excel import ExcelImporter, ExcelExporter, ExcelTemplateGenerator
-from .io_csv import CSVImporter, CSVExporter, CSVTemplateGenerator
+from .io_excel import ExcelImporter, ExcelExporter
+from .io_csv import CSVImporter, CSVExporter
 from .io_json import JSONImporter, JSONExporter
 
 __all__ = [
-    'ExcelImporter', 'ExcelExporter', 'ExcelTemplateGenerator',
-    'CSVImporter', 'CSVExporter', 'CSVTemplateGenerator', 
+    'ExcelImporter', 'ExcelExporter',
+    'CSVImporter', 'CSVExporter', 
     'JSONImporter', 'JSONExporter',
 ]