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/server/api/onboarding-status.test.js

@@ -49,10 +49,41 @@ describe('GET /api/onboarding/status', () => {
         hasEngagedBoard: false,
         hasClickedWiki: false,
       },
+      skipped: {
+        profileTags: false,
+        visitEvent: false,
+        board: false,
+        wiki: false,
+      },
       completedAt: null,
     })
   })
 
+  // Skip flags surface from member.onboarding.skipped
+  it('returns skipped map from member document', async () => {
+    requireAuth.mockResolvedValue({
+      _id: 'member-1',
+      craftTags: [],
+      onboarding: {
+        completedAt: null,
+        eventPageVisited: false,
+        boardPageVisited: false,
+        wikiClicked: false,
+        skipped: { profileTags: true, wiki: true },
+      },
+    })
+
+    const event = createMockEvent({ method: 'GET', path: '/api/onboarding/status' })
+    const result = await handler(event)
+
+    expect(result.skipped).toEqual({
+      profileTags: true,
+      visitEvent: false,
+      board: false,
+      wiki: true,
+    })
+  })
+
   // 1.2: hasProfileTags true when craft tags present
   it('hasProfileTags is true when member has craft tags', async () => {
     requireAuth.mockResolvedValue({