feat(portal): replace magic-link with email/password + admin-initiated activation

The client portal no longer uses passwordless / magic-link sign-in. Each
client now has a `portal_users` row with a scrypt-hashed password,
created by an admin from the client detail page; the admin's invite
mails an activation link that the client uses to set their own password.
Forgot-password is wired through the same token mechanism.

Schema (migration `0009_outgoing_rumiko_fujikawa.sql`):

- `portal_users` — one per client account, separate from the CRM
  `users` table (better-auth) so the auth realms stay isolated. Email
  is globally unique, password is null until activation.
- `portal_auth_tokens` — single-use activation / reset tokens. Stores
  only the SHA-256 hash so a DB compromise never leaks live tokens.

Services:

- `src/lib/portal/passwords.ts` — scrypt hash/verify (no new deps;
  uses node:crypto), token mint+hash helpers.
- `src/lib/services/portal-auth.service.ts` — createPortalUser,
  resendActivation, activateAccount, signIn (timing-safe),
  requestPasswordReset, resetPassword. Auth failures throw the new
  UnauthorizedError (401); enumeration-safe behaviour everywhere.

Routes:

- POST /api/portal/auth/sign-in — sets the existing portal JWT cookie.
- POST /api/portal/auth/forgot-password — always 200.
- POST /api/portal/auth/reset-password — token + new password.
- POST /api/portal/auth/activate — token + initial password.
- POST /api/v1/clients/:id/portal-user — admin invite (and `?action=resend`).
- Removed: /api/portal/auth/request, /api/portal/auth/verify (magic link).

UI:

- /portal/login — replaced email-only magic-link form with email +
  password + "forgot password" link.
- /portal/forgot-password, /portal/reset-password, /portal/activate — new.
- New shared `PasswordSetForm` component used by activate + reset.
- New `PortalInviteButton` rendered on the client detail header.

Email send:

- `createTransporter` now wires SMTP auth when SMTP_USER+SMTP_PASS are
  set (gmail app-password or marina-server creds, configured via env).
- `SMTP_FROM` env var lets the sender address be overridden without
  pinning it to `noreply@${SMTP_HOST}`.

Tests:

- Smoke spec 17 (client-portal) updated to the new flow: 7/7 green.
- Smoke specs 02-crud-spine, 05-invoices, 20-critical-path updated to
  match the post-refactor client + invoice forms (drop companyName,
  use OwnerPicker + billingEmail).
- Vitest 652/652 still green; type-check clean.

Drops the dead `requestMagicLink` from portal.service.ts.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

tests/e2e/smoke/02-crud-spine.spec.ts

@@ -12,12 +12,14 @@ test.describe('CRUD Spine', () => {
     await navigateTo(page, '/clients');
 
     // Click "New Client" button (use first() in case of duplicates in empty state)
-    await page.getByRole('button', { name: /new client/i }).first().click();
+    await page
+      .getByRole('button', { name: /new client/i })
+      .first()
+      .click();
     await waitForSheet(page);
 
     const sheet = page.locator('[role="dialog"]');
     await sheet.locator('input[name="fullName"]').fill(TEST_CLIENT_NAME);
-    await sheet.locator('input[name="companyName"]').fill('E2E Test Corp');
     await sheet.locator('input[name="nationality"]').fill('British');
     await sheet.locator('input[name="contacts.0.value"]').fill('e2e@test.com');
 
@@ -34,7 +36,10 @@ test.describe('CRUD Spine', () => {
     await page.waitForTimeout(2000);
 
     // The client name should appear somewhere in the table or page
-    const hasClient = await page.getByText(TEST_CLIENT_NAME).isVisible({ timeout: 5_000 }).catch(() => false);
+    const hasClient = await page
+      .getByText(TEST_CLIENT_NAME)
+      .isVisible({ timeout: 5_000 })
+      .catch(() => false);
     if (!hasClient) {
       // Maybe the table loaded empty and we need to wait for data
       await page.waitForTimeout(3000);
@@ -92,7 +97,10 @@ test.describe('CRUD Spine', () => {
         await page.waitForTimeout(2000);
 
         // Client should disappear from active list
-        const stillVisible = await page.getByText(TEST_CLIENT_NAME).isVisible({ timeout: 3_000 }).catch(() => false);
+        const stillVisible = await page
+          .getByText(TEST_CLIENT_NAME)
+          .isVisible({ timeout: 3_000 })
+          .catch(() => false);
         if (!stillVisible) {
           console.log('  ✓ Client archived and removed from list');
         }