- Add trusted role and isTrusted access helper
- Add notification muting and display preferences to the user schema
- Auto-create a profile and personal bank account when a user signs up
- Add idempotent backfillProfiles seed script for existing members
- user-notifications collection (per-user inbox, owner-scoped read)
- notifyUser() fire-and-forget helper + notification label mapping
- NotificationsBell in the site header with 30s polling, unread badge,
mark-read on click, and "Mark all read"
- markNotificationsRead / markAllNotificationsRead server actions
