feat(member): account/profile polish + tier upgrade flow

- Timezone: curated USelectMenu dropdown (app/config/timezones.js), preserves unknown saved values
- Profile save now uses useToast() for success/error; remove inline save banner
- Nav onboarding dot nudged down 1px for optical alignment with lowercase text
- Onboarding: skip a suggestion with POST /api/onboarding/track {skip}; member.onboarding.skipped map; does not affect graduation
- CirclePicker takes :saved-value so 'Current' badge stays until save completes
- PrivacyToggle is binary (USwitch labeled Private); member schema enum reduced to ['members','private']; zod coerces legacy 'public'
- New /member/payment-setup page: HelcimPay $0 verify + update-contribution, wired from account.vue via requiresPaymentSetup redirect
- Helcim portal: NUXT_PUBLIC_HELCIM_PORTAL_URL env + account.vue 'Manage billing in Helcim' link
- Migration script: scripts/migrate-privacy-public-to-members.js

app/composables/useOnboarding.js

@@ -10,6 +10,13 @@ export function useOnboarding(options = {}) {
     hasClickedWiki: false,
   }))
 
+  const skipped = useState('onboarding.skipped', () => ({
+    profileTags: false,
+    visitEvent: false,
+    board: false,
+    wiki: false,
+  }))
+
   const completedAt = useState('onboarding.completedAt', () => null)
   const loading = useState('onboarding.loading', () => false)
   const recommendations = useState('onboarding.recommendations', () => ({
@@ -20,12 +27,21 @@ export function useOnboarding(options = {}) {
   // Track whether we've already fetched status this session
   const _fetched = useState('onboarding._fetched', () => false)
 
+  // For the purpose of advancing the suggestion widget, a skipped goal is
+  // treated as "done" — the underlying goal/graduation check is unchanged.
+  const effectiveGoals = computed(() => ({
+    hasProfileTags: goals.value.hasProfileTags || skipped.value.profileTags,
+    hasVisitedEvent: goals.value.hasVisitedEvent || skipped.value.visitEvent,
+    hasEngagedBoard: goals.value.hasEngagedBoard || skipped.value.board,
+    hasClickedWiki: goals.value.hasClickedWiki || skipped.value.wiki,
+  }))
+
   const isComplete = computed(() =>
     !!completedAt.value ||
-    (goals.value.hasProfileTags &&
-    goals.value.hasVisitedEvent &&
-    goals.value.hasEngagedBoard &&
-    goals.value.hasClickedWiki)
+    (effectiveGoals.value.hasProfileTags &&
+    effectiveGoals.value.hasVisitedEvent &&
+    effectiveGoals.value.hasEngagedBoard &&
+    effectiveGoals.value.hasClickedWiki)
   )
 
   const pickCategory = options.pickCategory || ((categories) => {
@@ -33,9 +49,9 @@ export function useOnboarding(options = {}) {
   })
 
   const currentSuggestion = computed(() => {
-    // Not graduated — return highest-priority incomplete goal
+    // Not graduated — return highest-priority incomplete, non-skipped goal
     if (!isComplete.value) {
-      if (!goals.value.hasProfileTags) {
+      if (!effectiveGoals.value.hasProfileTags) {
         return {
           key: 'profileTags',
           text: 'Complete your profile by adding your craft and community tags',
@@ -43,7 +59,7 @@ export function useOnboarding(options = {}) {
           actionText: 'Set up tags',
         }
       }
-      if (!goals.value.hasVisitedEvent) {
+      if (!effectiveGoals.value.hasVisitedEvent) {
         return {
           key: 'visitEvent',
           text: 'Check out upcoming events',
@@ -51,7 +67,7 @@ export function useOnboarding(options = {}) {
           actionText: 'Browse events',
         }
       }
-      if (!goals.value.hasEngagedBoard) {
+      if (!effectiveGoals.value.hasEngagedBoard) {
         return {
           key: 'board',
           text: 'Explore the board to find collaborators',
@@ -59,7 +75,7 @@ export function useOnboarding(options = {}) {
           actionText: 'Explore board',
         }
       }
-      if (!goals.value.hasClickedWiki) {
+      if (!effectiveGoals.value.hasClickedWiki) {
         return {
           key: 'wiki',
           text: 'Browse the wiki for resources and guides',
@@ -118,6 +134,9 @@ export function useOnboarding(options = {}) {
       if (data?.goals) {
         goals.value = { ...goals.value, ...data.goals }
       }
+      if (data?.skipped) {
+        skipped.value = { ...skipped.value, ...data.skipped }
+      }
       if (data?.completedAt) {
         completedAt.value = data.completedAt
       }
@@ -157,6 +176,21 @@ export function useOnboarding(options = {}) {
     }
   }
 
+  async function skipSuggestion(key) {
+    // Optimistically advance locally; server call is fire-and-forget.
+    if (skipped.value[key] !== undefined) {
+      skipped.value = { ...skipped.value, [key]: true }
+    }
+    try {
+      await $fetch('/api/onboarding/track', {
+        method: 'POST',
+        body: { skip: key },
+      })
+    } catch {
+      // Non-fatal — will re-fetch on next session
+    }
+  }
+
   // Initialize on first use
   fetchStatus()
 
@@ -166,6 +200,8 @@ export function useOnboarding(options = {}) {
     completedAt: readonly(completedAt),
     currentSuggestion,
     trackGoal,
+    skipSuggestion,
+    skipped: readonly(skipped),
     recommendations: readonly(recommendations),
     loading: readonly(loading),
   }