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

tests/client/composables/useOnboarding.test.js

@@ -378,4 +378,84 @@ describe('useOnboarding', () => {
     expect(currentSuggestion.value.key).toBe('empty')
     expect(currentSuggestion.value.text).toBe('No suggestions right now')
   })
+
+  // Skip: skipping a suggestion advances to the next incomplete, non-skipped one
+  it('skipSuggestion advances to the next suggestion and posts to track', async () => {
+    fetchMock.mockImplementation((url) => {
+      if (url === '/api/onboarding/status') {
+        return Promise.resolve({
+          goals: {
+            hasProfileTags: false,
+            hasVisitedEvent: false,
+            hasEngagedBoard: false,
+            hasClickedWiki: false,
+          },
+          skipped: {
+            profileTags: false,
+            visitEvent: false,
+            board: false,
+            wiki: false,
+          },
+          completedAt: null,
+        })
+      }
+      return Promise.resolve(null)
+    })
+
+    const { currentSuggestion, skipSuggestion, loading } = useOnboarding()
+
+    await vi.waitFor(() => {
+      expect(loading.value).toBe(false)
+    })
+
+    expect(currentSuggestion.value.key).toBe('profileTags')
+
+    await skipSuggestion('profileTags')
+
+    // Next priority advances to visitEvent
+    expect(currentSuggestion.value.key).toBe('visitEvent')
+
+    const trackCalls = fetchMock.mock.calls.filter(
+      (c) => c[0] === '/api/onboarding/track'
+    )
+    expect(trackCalls).toHaveLength(1)
+    expect(trackCalls[0][1]).toMatchObject({
+      method: 'POST',
+      body: { skip: 'profileTags' },
+    })
+  })
+
+  // Skip: skipped suggestions count toward isComplete
+  it('all skipped counts as complete for suggestion widget', async () => {
+    fetchMock.mockImplementation((url) => {
+      if (url === '/api/onboarding/status') {
+        return Promise.resolve({
+          goals: {
+            hasProfileTags: false,
+            hasVisitedEvent: false,
+            hasEngagedBoard: false,
+            hasClickedWiki: false,
+          },
+          skipped: {
+            profileTags: true,
+            visitEvent: true,
+            board: true,
+            wiki: true,
+          },
+          completedAt: null,
+        })
+      }
+      if (url === '/api/events/recommended') return Promise.resolve([])
+      if (url === '/api/wiki/recommended') return Promise.resolve([])
+      return Promise.resolve(null)
+    })
+
+    const { isComplete, loading } = useOnboarding()
+
+    await vi.waitFor(() => {
+      expect(loading.value).toBe(false)
+    })
+
+    expect(isComplete.value).toBe(true)
+  })
 })