feat(users): OTP delivery method picker on user creation + post-login agreement

Create User dialog now has a mandatory Email/Mobile OTP delivery method
picker (styled as a pill toggle) alongside the existing fields.

Adds a new post-login agreement acceptance dialog: right after the existing
2FA flow (TwoFactorAuthenticationComponent) succeeds, or immediately after
login for users without 2FA, the user must accept the bank's current
agreement/disclaimer at least once before reaching the app.

Also adds a "Manage User Agreement" admin screen (System section) to publish
versioned agreement text without a code deploy.

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>

src/app/system/system-routing.module.ts

@@ -57,6 +57,7 @@ import { SystemComponent } from './system.component';
 import { SystemInformationComponent } from './system-information/system-information.component';
 import { AboutUsComponent } from './about-us/about-us.component';
 import { DenominationMasterComponent } from './denomination-master/denomination-master.component';
+import { ManageUserAgreementComponent } from './manage-user-agreement/manage-user-agreement.component';
 
 /** Custom Resolvers */
 import { AccountNumberPreferencesResolver } from './account-number-preferences/account-number-preferences.resolver';
@@ -625,6 +626,16 @@ const routes: Routes = [
               component: DenominationMasterComponent
             }
           ]
+        },
+        {
+          path: 'user-agreement',
+          data: { title: 'Manage User Agreement', breadcrumb: 'Manage User Agreement' },
+          children: [
+            {
+              path: '',
+              component: ManageUserAgreementComponent
+            }
+          ]
         }
       ]
     }