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/pages/member/account.vue

@@ -68,6 +68,15 @@
                   }}</span>
                 </div>
               </div>
+              <a
+                v-if="helcimPortalUrl && memberData.helcimCustomerId"
+                :href="helcimPortalUrl"
+                target="_blank"
+                rel="noopener"
+                class="billing-link"
+              >
+                Manage billing in Helcim &rarr;
+              </a>
             </PageSection>
 
             <PageSection divider="top">
@@ -178,6 +187,7 @@
 
               <CirclePicker
                 v-model="selectedCircle"
+                :saved-value="memberData.circle"
                 :circles="circleOptions"
               />
               <button
@@ -204,6 +214,7 @@ definePageMeta({
 const { memberData, checkMemberStatus } = useAuth();
 const { openLoginModal } = useLoginModal();
 const toast = useToast();
+const helcimPortalUrl = useRuntimeConfig().public.helcimPortalUrl || '';
 
 const selectedTier = ref(0);
 const selectedCircle = ref("");
@@ -276,13 +287,22 @@ const handleUpdateTier = async () => {
       body: { contributionTier: String(selectedTier.value) },
     });
     await checkMemberStatus();
-    toast.add({ title: "Contribution updated", color: "green" });
+    toast.add({ title: "Contribution updated", color: "success" });
   } catch (err) {
+    // Paid upgrade without a saved card — route to payment setup instead of erroring.
+    if (err.data?.data?.requiresPaymentSetup) {
+      await navigateTo(
+        `/member/payment-setup?tier=${selectedTier.value}&circle=${
+          selectedCircle.value || memberData.value?.circle || 'community'
+        }`,
+      );
+      return;
+    }
     selectedTier.value = Number(memberData.value?.contributionTier || 0);
     toast.add({
       title: "Update failed",
       description: err.data?.statusMessage || "Please try again.",
-      color: "red",
+      color: "error",
     });
   } finally {
     isUpdating.value = false;
@@ -297,13 +317,13 @@ const handleUpdateCircle = async () => {
       body: { circle: selectedCircle.value },
     });
     await checkMemberStatus();
-    toast.add({ title: "Circle updated", color: "green" });
+    toast.add({ title: "Circle updated", color: "success" });
   } catch (err) {
     selectedCircle.value = memberData.value?.circle || "community";
     toast.add({
       title: "Update failed",
       description: err.data?.statusMessage || "Please try again.",
-      color: "red",
+      color: "error",
     });
   } finally {
     isUpdating.value = false;
@@ -326,12 +346,12 @@ const handleUpdateEmail = async () => {
     });
     await checkMemberStatus();
     cancelEmailEdit();
-    toast.add({ title: "Email updated", color: "green" });
+    toast.add({ title: "Email updated", color: "success" });
   } catch (err) {
     toast.add({
       title: "Update failed",
       description: err.data?.statusMessage || "Please try again.",
-      color: "red",
+      color: "error",
     });
   } finally {
     isUpdatingEmail.value = false;
@@ -359,13 +379,13 @@ const confirmCancelMembership = async () => {
         color: "neutral",
       });
     } else {
-      toast.add({ title: "Membership cancelled", color: "orange" });
+      toast.add({ title: "Membership cancelled", color: "warning" });
     }
   } catch (err) {
     toast.add({
       title: "Cancellation failed",
       description: err.data?.statusMessage || "Please try again.",
-      color: "red",
+      color: "error",
     });
   } finally {
     isCancelling.value = false;
@@ -528,4 +548,16 @@ const confirmCancelMembership = async () => {
   text-align: center;
 }
 
+.billing-link {
+  display: inline-block;
+  margin-top: 10px;
+  font-size: 12px;
+  color: var(--candle);
+  text-decoration: none;
+}
+
+.billing-link:hover {
+  text-decoration: underline;
+}
+
 </style>