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

server/utils/schemas.js

@@ -1,7 +1,12 @@
 import * as z from 'zod'
 import { ADMIN_ALERT_TYPES } from '../models/adminAlertDismissal.js'
 
-const privacyEnum = z.enum(['public', 'members', 'private'])
+// Binary privacy: 'members' = visible to signed-in members, 'private' = hidden.
+// Legacy 'public' is accepted from old clients and coerced to 'members'.
+const privacyEnum = z.preprocess(
+  (v) => (v === 'public' ? 'members' : v),
+  z.enum(['members', 'private'])
+)
 
 export const emailSchema = z.object({
   email: z.string().trim().toLowerCase().email()
@@ -367,7 +372,10 @@ export const inviteAcceptSchema = z.object({
 // --- Onboarding schemas ---
 
 export const onboardingTrackSchema = z.object({
-  goal: z.enum(['eventPageVisited', 'boardPageVisited', 'wikiClicked'])
+  goal: z.enum(['eventPageVisited', 'boardPageVisited', 'wikiClicked']).optional(),
+  skip: z.enum(['profileTags', 'visitEvent', 'board', 'wiki']).optional(),
+}).refine((v) => v.goal || v.skip, {
+  message: 'Must provide goal or skip',
 })
 
 // --- Tag schemas ---