Add provisioning a personal bank account, toggling background texture and callsign display, and copying the page link; the layout now passes user preferences and personal-account state so the palette can hide or handle them.
Ultraworked with [Sisyphus](https://github.com/code-yeongyu/oh-my-openagent)
Co-authored-by: Sisyphus <clio-agent@sisyphuslabs.ai>
Cover transfers, projects, Friday Ops calendar, wiki, NPC personnel, awards, voiceover, and the training minigames.
Ultraworked with [Sisyphus](https://github.com/code-yeongyu/oh-my-openagent)
Co-authored-by: Sisyphus <clio-agent@sisyphuslabs.ai>
