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-track.test.js

@@ -206,6 +206,45 @@ describe('POST /api/onboarding/track', () => {
     )
   })
 
+  // Skip: marks suggestion skipped without touching underlying goal
+  it('marks the suggestion skipped when skip is provided', async () => {
+    validateBody.mockResolvedValue({ skip: 'wiki' })
+
+    const event = createMockEvent({
+      method: 'POST',
+      path: '/api/onboarding/track',
+      body: { skip: 'wiki' },
+    })
+
+    const result = await handler(event)
+
+    expect(result).toEqual({ success: true })
+    expect(Member.findByIdAndUpdate).toHaveBeenCalledWith('member-1', {
+      $set: { 'onboarding.skipped.wiki': true },
+    })
+    // No goal log when skipping
+    expect(logActivity).not.toHaveBeenCalled()
+  })
+
+  it('no-ops skip path when already graduated', async () => {
+    requireAuth.mockResolvedValue({
+      _id: 'member-1',
+      onboarding: { completedAt: new Date() },
+    })
+    validateBody.mockResolvedValue({ skip: 'board' })
+
+    const event = createMockEvent({
+      method: 'POST',
+      path: '/api/onboarding/track',
+      body: { skip: 'board' },
+    })
+
+    const result = await handler(event)
+
+    expect(result).toEqual({ success: true })
+    expect(Member.findByIdAndUpdate).not.toHaveBeenCalled()
+  })
+
   // 2.15: Requires auth (401)
   it('returns 401 when not authenticated', async () => {
     requireAuth.mockRejectedValue(